Exhibit 99.5
Supplemental Data
| SitusAMC Loan ID | Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO |
| GCAT2026NQM30190 | Safe Harbor QM (APOR) | No | No | $7,136.25 | $8,413.37 | 7.559% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $9,120.89 | 1 | [Redacted] | $2,068.44 | [Redacted] | $172.37 | 21.914% | 21.914% | 21.914% | 10/22/2025 | 674 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $7,136.25 | 6.160% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.250% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $20,617.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.26 | No | No | $1,119.20 | $1,342.29 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30285 | Safe Harbor QM (APOR) | Yes | No | $13,505.08 | $5,116.68 | 6.960% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,667.70 | 1 | [Redacted] | $2,466.96 | [Redacted] | $205.58 | 49.501% | 49.501% | 49.501% | 09/25/2025 | 738 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; Other - 2025 [Coborrower(s) - | Primary Income - C-Corp]; Other - 2025 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $13,505.08 | 6.310% | $0.00 | 1.6 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $184,172.96 | 30.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.08 | No | No | $16,916.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30196 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,457.72 | [Redacted] | $204.81 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 758 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $81,261.29 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30094 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,122.00 | [Redacted] | $93.50 | 0.000% | 0.000% | 0.000% | 09/30/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $131,501.77 | 22.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 139.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30283 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,302.00 | [Redacted] | $108.50 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 713 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.4 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 111.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30188 | Safe Harbor QM (APOR) | Yes | Yes | $8,670.00 | $13,966.93 | 6.462% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,139.15 | 1 | [Redacted] | $2,931.96 | [Redacted] | $244.33 | 33.770% | 33.770% | 33.770% | 11/03/2025 | 705 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $8,670.00 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.125% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30123 | Safe Harbor QM (APOR) | Yes | No | $10,500.20 | $3,841.99 | 6.959% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $42,894.08 | 1 | [Redacted] | $1,275.84 | [Redacted] | $106.32 | 15.756% | 15.756% | 15.756% | 10/29/2025 | 801 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $10,500.20 | 6.220% | $0.00 | 1.7 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $140,266.99 | 29.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30193 | Safe Harbor QM (APOR) | Yes | No | $10,320.00 | $1,657.04 | 6.765% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Non-Employment Income | US Citizen | $12,361.84 | 1 | [Redacted] | $2,358.12 | [Redacted] | $196.51 | 32.400% | 32.400% | 32.400% | 11/17/2025 | 772 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | The Loan Store | $10,320.00 | 6.220% | $0.00 | 1.4 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | Not Stated | [Redacted] | $1,134,384.31 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 238.52 | No | $18,286.71 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30267 | Safe Harbor QM (APOR) | Yes | No | $11,152.50 | $13,378.81 | 6.558% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Employed | Self-Employed | 7.13 | US Citizen | US Citizen | $11,016.43 | 1 | [Redacted] | $1,650.48 | [Redacted] | $137.54 | 42.910% | 42.910% | 42.910% | 10/09/2025 | 754 | 754 | 694 | 780 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Personal | 62.000% | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $11,152.50 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.82 | Retail | No | No | $12,005.00 | $7,291.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30227 | Non QM | Yes | No | $4,770.00 | $3,579.63 | 6.985% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $2,285.81 | 1 | [Redacted] | $3,596.04 | [Redacted] | $299.67 | 43.195% | 43.195% | 43.195% | 11/23/2025 | 716 | No | Yes | 12 | Business | 10.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,770.00 | 6.230% | $0.00 | 3.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30309 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,260.36 | [Redacted] | $105.03 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 999.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | [Redacted] | $82,826.76 | 42.690% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30075 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,158.00 | [Redacted] | $96.50 | 0.000% | 0.000% | 0.000% | 10/29/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | 240 | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30219 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,350.00 | [Redacted] | $112.50 | 0.000% | 0.000% | 0.000% | 11/05/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | $33,075.32 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30124 | Non QM | Yes | No | $18,735.00 | $800.89 | 7.620% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $10,583.90 | 1 | [Redacted] | $2,155.20 | [Redacted] | $179.60 | 33.921% | 33.921% | 33.921% | 11/06/2025 | 672 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,735.00 | 6.220% | $24,910.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $71,340.88 | 11.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30159 | Non QM | Yes | No | $17,595.00 | $19,236.76 | 6.570% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Permanent Resident Alien | $12,151.14 | 1 | [Redacted] | $4,664.04 | [Redacted] | $388.67 | 35.393% | 35.393% | 35.393% | 12/15/2025 | 744 | No | Yes | 72 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $17,595.00 | 6.190% | $0.00 | 3.5 | None | N/A | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | $211,302.59 | 30.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30199 | Safe Harbor QM (APOR) | Yes | Yes | $16,005.10 | $4,568.19 | 6.941% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $21,956.94 | 1 | [Redacted] | $2,139.96 | [Redacted] | $178.33 | 23.027% | 23.027% | 23.027% | 09/12/2025 | 739 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $16,005.10 | 6.230% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 3 | 2 | 0 | 2 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30266 | Safe Harbor QM (APOR) | Yes | Yes | $6,809.26 | $7,608.98 | 6.304% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | US Citizen | $3,554.35 | 1 | [Redacted] | $1,494.00 | [Redacted] | $124.50 | 49.420% | 49.420% | 49.420% | 11/21/2025 | 792 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $6,809.26 | 6.260% | $0.00 | 2.4 | DU | ApproveEligible | N/A | No | 6.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $35,877.44 | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30420 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $659.04 | [Redacted] | $54.92 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 4.1 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30198 | Safe Harbor QM (APOR) | Yes | Yes | $10,110.00 | $10,301.93 | 6.604% | [Redacted] | [Redacted] | 6.375% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $5,084.08 | 1 | [Redacted] | $825.96 | [Redacted] | $68.83 | 48.856% | 48.856% | 48.856% | 11/03/2025 | 750 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Disability]; W-2 - 2024 [Borrower - | Non-Primary Income - Disability]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $10,110.00 | 6.250% | $0.00 | 4.3 | DU | ApproveEligible | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $19,852.83 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.19 | No | No | $5,545.61 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30237 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,101.00 | [Redacted] | $91.75 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [Redacted] | $3,000.00 | 1.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30287 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,068.00 | [Redacted] | $89.00 | 0.000% | 0.000% | 0.000% | 11/22/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 93.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30218 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $3,490.32 | [Redacted] | $290.86 | 0.000% | 0.000% | 0.000% | 09/25/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30258 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,070.52 | [Redacted] | $89.21 | 0.000% | 0.000% | 0.000% | 09/10/2025 | 723 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | [Redacted] | $45,947.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30186 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | 1 | [Redacted] | $2,000.28 | [Redacted] | $166.69 | 0.000% | 0.000% | 0.000% | 09/26/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.1 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | [Redacted] | $84,889.79 | 16.010% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30268 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $544.68 | [Redacted] | $45.39 | 0.000% | 0.000% | 0.000% | 10/08/2025 | 736 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | [Redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30177 | N/A | No | No | [Redacted] | [Redacted] | 6.250% | No | No | US Citizen | 1 | [Redacted] | $311.04 | [Redacted] | $25.92 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 819 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.3 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $437,015.40 | 54.050% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.13 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30314 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 2 | [Redacted] | $2,787.96 | [Redacted] | $232.33 | 0.000% | 0.000% | 0.000% | 10/30/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | [Redacted] | $141,274.66 | 33.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30415 | Safe Harbor QM (APOR) | Yes | No | $6,372.00 | $1,442.53 | 6.493% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $10,371.66 | 1 | [Redacted] | $1,789.20 | [Redacted] | $149.10 | 41.307% | 41.307% | 41.307% | 09/29/2025 | 765 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $6,372.00 | 6.160% | $14,667.00 | 1.2 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | Not Stated | [Redacted] | $181,058.33 | 18.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.94 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30073 | Safe Harbor QM (APOR) | Yes | No | $2,690.00 | $2,789.21 | 7.295% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $22,480.73 | 1 | [Redacted] | $882.00 | [Redacted] | $73.50 | 44.991% | 44.991% | 44.991% | 11/19/2025 | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $2,690.00 | 6.260% | $0.00 | 2.3 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | Not Stated | [Redacted] | $266,869.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.46 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30515 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,670.04 | [Redacted] | $139.17 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | [Redacted] | $306,065.17 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30261 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $746.04 | [Redacted] | $62.17 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 784 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 15 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30493 | Non QM | Yes | No | $9,543.00 | $1,612.54 | 7.614% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $40,801.71 | 1 | [Redacted] | $1,808.76 | [Redacted] | $150.73 | 10.334% | 10.334% | 10.334% | 10/23/2025 | 665 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $9,543.00 | 6.250% | $9,700.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30280 | N/A | No | Yes | $0.00 | 6.095% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | US Citizen | $9,225.65 | 1 | [Redacted] | $955.92 | [Redacted] | $79.66 | 40.158% | 40.158% | 40.158% | 11/06/2025 | 791 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.125% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | [Redacted] | $848,336.38 | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 270.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30208 | Safe Harbor QM (APOR) | Yes | No | $14,474.20 | $19,725.20 | 6.970% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $34,780.53 | 1 | [Redacted] | $7,311.00 | [Redacted] | $609.25 | 18.902% | 18.902% | 18.902% | 12/12/2025 | 692 | No | Yes | 24 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $14,474.20 | 6.180% | $227,719.44 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $53,426.09 | 5.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30220 | Non QM | Yes | No | $8,245.00 | $11,174.50 | 6.468% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | US Citizen | $3,188.75 | 1 | [Redacted] | $1,714.56 | [Redacted] | $142.88 | 49.622% | 44.226% | 49.622% | 10/30/2025 | 796 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | ArcHome | $8,245.00 | 6.190% | $0.00 | 3.7 | None | N/A | No | 6.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | [Redacted] | $68,682.41 | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30274 | Safe Harbor QM (APOR) | Yes | No | $16,364.69 | $1,892.19 | 7.491% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | US Citizen | $27,545.67 | 1 | [Redacted] | $3,597.00 | [Redacted] | $299.75 | 28.651% | 28.651% | 28.651% | 11/18/2025 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $16,364.69 | 6.180% | $40,000.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $105,592.72 | 13.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30378 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,782.28 | [Redacted] | $315.19 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 999.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | [Redacted] | $640,826.33 | 82.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30204 | Safe Harbor QM (APOR) | Yes | Yes | $3,000.00 | $4,320.23 | 7.517% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,181.56 | 1 | [Redacted] | $3,123.96 | [Redacted] | $260.33 | 42.499% | 42.499% | 42.499% | 08/11/2025 | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $3,000.00 | 6.240% | $5,000.00 | DU | Yes | ApproveEligible | N/A | No | 7.375% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | [Redacted] | $103,841.45 | 26.970% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.12 | Retail | No | No | $5,470.19 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30200 | N/A | No | Yes | $3,145.00 | $1,620.42 | 6.916% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,625.25 | 1 | [Redacted] | $888.96 | [Redacted] | $74.08 | 43.676% | 43.676% | 43.676% | 11/06/2025 | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $3,145.00 | 6.170% | $7,700.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | $359,166.60 | 93.290% | No | 22 | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 119.34 | Retail | No | No | $0.00 | $4,027.50 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30194 | Safe Harbor QM (APOR) | Yes | Yes | $7,545.63 | $9,576.23 | 6.475% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $25,841.68 | 1 | [Redacted] | $4,619.64 | [Redacted] | $384.97 | 26.956% | 26.956% | 26.956% | 09/24/2025 | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $7,545.63 | 6.290% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.375% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | $341,628.39 | 32.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.46 | Retail | No | No | $0.00 | $11,208.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30469 | Safe Harbor QM (APOR) | Yes | No | $16,495.00 | $11,077.96 | 6.485% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | US Citizen | $6,592.41 | 1 | [Redacted] | $3,645.96 | [Redacted] | $303.83 | 45.737% | 45.737% | 45.737% | 12/17/2025 | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $16,495.00 | 6.220% | $0.00 | 1.1 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | $114,649.97 | No | 1 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30059 | Safe Harbor QM (APOR) | Yes | No | $13,845.50 | $545.00 | 7.349% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,597.88 | 1 | [Redacted] | $2,454.00 | [Redacted] | $204.50 | 29.926% | 29.926% | 29.926% | 12/17/2025 | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $13,845.50 | 6.250% | $8,491.96 | 1.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $144,259.59 | 23.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30062 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,836.96 | [Redacted] | $153.08 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | [Redacted] | $44,619.96 | 17.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30277 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,383.96 | [Redacted] | $115.33 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 737 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30288 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $3,054.12 | [Redacted] | $254.51 | 0.000% | 0.000% | 0.000% | 12/01/2025 | 765 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | [Redacted] | $429,714.98 | 83.830% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30203 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,153.04 | [Redacted] | $179.42 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 789 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | [Redacted] | $151,408.69 | 35.170% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30226 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,018.80 | [Redacted] | $84.90 | 0.000% | 0.000% | 0.000% | 10/21/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $181,536.78 | 29.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30070 | Non QM | Yes | No | $13,573.00 | $3,251.06 | 7.166% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | US Citizen | $13,122.67 | 1 | [Redacted] | $1,590.00 | [Redacted] | $132.50 | 26.261% | 26.261% | 26.261% | 11/28/2025 | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,573.00 | 6.270% | $110,252.59 | 2.3 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $36,110.98 | 6.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30327 | Higher Priced QM (APOR) | Yes | No | $11,995.00 | $15,356.72 | 7.751% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | US Citizen | $10,963.20 | 1 | [Redacted] | $2,136.96 | [Redacted] | $178.08 | 33.044% | 33.044% | 33.044% | 01/12/2026 | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,995.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $650.00 | 0.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30090 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $3,536.64 | [Redacted] | $294.72 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 800 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.2 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.41 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30093 | Safe Harbor QM (APOR) | Yes | No | $8,198.32 | $28.40 | 6.604% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | US Citizen | $4,774.12 | 1 | [Redacted] | $2,925.00 | [Redacted] | $243.75 | 42.413% | 42.413% | 42.413% | 12/10/2025 | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Arc | $8,198.32 | 6.220% | $12,800.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | Not Stated | [Redacted] | $900,466.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30077 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 753 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | [Redacted] | $238,613.34 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30174 | Safe Harbor QM (APOR) | Yes | No | $39,326.25 | $22,251.12 | 7.481% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,771.44 | 1 | [Redacted] | $6,661.80 | [Redacted] | $555.15 | 44.854% | 44.854% | 44.854% | 11/10/2025 | 799 | No | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $39,326.25 | 6.060% | $5,000.00 | 3.6 | None | No | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $455,608.84 | 21.690% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.82 | No | $0.00 | $5,795.82 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30142 | Non QM | Yes | No | $13,303.64 | $7,452.96 | 6.994% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,856.19 | 1 | [Redacted] | $5,097.24 | [Redacted] | $424.77 | 15.432% | 15.432% | 15.432% | 12/15/2025 | 679 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $13,303.64 | 6.250% | $0.00 | 4.4 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30192 | Safe Harbor QM (APOR) | Yes | No | $1,740.00 | $6,532.49 | 6.902% | [Redacted] | [Redacted] | 6.875% | No | Yes | Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $10,455.69 | 1 | [Redacted] | $3,801.96 | [Redacted] | $316.83 | 49.664% | 49.664% | 49.664% | 11/07/2025 | 732 | 770 | 763 | 777 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $1,740.00 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 3 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | $296,010.38 | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.07 | Retail | No | No | $7,636.86 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30066 | Non QM | Yes | No | $35,121.00 | $12,820.00 | 7.030% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $33,328.68 | 1 | [Redacted] | $10,304.04 | [Redacted] | $858.67 | 45.650% | 45.650% | 45.650% | 11/03/2025 | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $35,121.00 | 6.250% | $0.00 | 1.3 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $12,890.60 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30303 | Non QM | Yes | No | $5,570.00 | $1,754.57 | 6.711% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $7,336.25 | 1 | [Redacted] | $1,065.96 | [Redacted] | $88.83 | 28.307% | 28.307% | 28.307% | 12/16/2025 | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $5,570.00 | 6.180% | $6,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $8,327.19 | 1.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30187 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,947.80 | [Redacted] | $245.65 | 0.000% | 0.000% | 0.000% | 11/21/2025 | 812 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.1 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.75 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30260 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,056.96 | [Redacted] | $88.08 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 769 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | [Redacted] | $109,922.33 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30275 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $952.80 | [Redacted] | $79.40 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 788 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.8 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redacted] | $199,914.81 | 35.500% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30289 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $3,003.48 | [Redacted] | $250.29 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 775 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $279,812.72 | 48.910% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30269 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $2,091.00 | [Redacted] | $174.25 | 0.000% | 0.000% | 0.000% | 12/06/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | [Redacted] | $257,761.25 | 83.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30284 | Non QM | Yes | No | $8,143.41 | $11,469.11 | 7.633% | [Redacted] | [Redacted] | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,027.49 | 1 | [Redacted] | $2,088.00 | [Redacted] | $174.00 | 29.191% | 29.191% | 29.191% | 09/23/2025 | 667 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $8,143.41 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $16,003.57 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.34 | Retail | No | No | $25,459.47 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30264 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 2 | [Redacted] | $2,961.00 | [Redacted] | $246.75 | 0.000% | 0.000% | 0.000% | 10/13/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | [Redacted] | $78,369.06 | 9.210% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.77 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30116 | Non QM | Yes | No | $7,020.00 | $4,145.13 | 7.667% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Costa Rica | $20,312.37 | 1 | [Redacted] | $1,385.04 | [Redacted] | $115.42 | 19.437% | 19.437% | 19.437% | 11/25/2025 | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | The Loan Store | $7,020.00 | 6.180% | $10,500.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $1,327,034.79 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 521.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30246 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $3,450.00 | [Redacted] | $287.50 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 691 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.5 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30313 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $4,433.76 | [Redacted] | $369.48 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | [Redacted] | $322,225.30 | 41.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30270 | Safe Harbor QM (APOR) | Yes | No | $22,142.83 | $213.75 | 6.611% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Employed | Employed | 2.9 | US Citizen | US Citizen | Permanent Resident Alien | $12,417.58 | 1 | [Redacted] | $2,582.04 | [Redacted] | $215.17 | 40.017% | 40.017% | 40.017% | 10/09/2025 | 779 | 766 | 759 | 750 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 27.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $22,142.83 | 6.180% | $55,913.20 | 2.3 | None | N/A | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $602,270.21 | 48.910% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 47.32 | Yes | No | $2,769.23 | $11,187.04 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30348 | Non QM | Yes | No | $15,795.00 | $18,788.79 | 7.223% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $119,746.73 | 1 | [Redacted] | $2,735.04 | [Redacted] | $227.92 | 14.338% | 14.338% | 14.338% | 12/17/2025 | 681 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $15,795.00 | 6.250% | $152,673.32 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $65,321.63 | 10.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30286 | Non QM | Yes | No | $12,130.00 | $8,917.50 | 7.035% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Non-Employment Income | US Citizen | $7,530.88 | 1 | [Redacted] | $4,126.80 | [Redacted] | $343.90 | 37.617% | 37.617% | 37.617% | 11/05/2025 | 687 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 1 | 0 | 0 | 0 | Arc | $12,130.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | [Redacted] | $1,022,021.68 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.38 | No | $12,072.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30180 | Non QM | Yes | No | $3,034.64 | $6,094.75 | 6.640% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $13,490.02 | 1 | [Redacted] | $2,771.40 | [Redacted] | $230.95 | 17.781% | 17.781% | 17.781% | 11/24/2025 | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $3,034.64 | 6.250% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $92,733.08 | 22.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.2 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30063 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $959.04 | [Redacted] | $79.92 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $385,266.13 | 60.190% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30037 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,909.08 | [Redacted] | $159.09 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | [Redacted] | $211,661.90 | 68.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30278 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $3,133.92 | [Redacted] | $261.16 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 706 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.4 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | [Redacted] | $117,620.70 | 28.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30144 | Safe Harbor QM (APOR) | Yes | No | $41,948.75 | $45,293.55 | 6.659% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $32,682.74 | 1 | [Redacted] | $3,817.92 | [Redacted] | $318.16 | 46.740% | 46.740% | 46.740% | 10/14/2025 | 759 | No | Yes | 24 | Business | 81.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $41,948.75 | 6.240% | $0.00 | 4.5 | None | N/A | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $7,606.60 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30276 | Safe Harbor QM (APOR) | Yes | No | $31,138.75 | $20,051.45 | 7.286% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | US Citizen | $26,236.97 | 1 | [Redacted] | $1,503.96 | [Redacted] | $125.33 | 36.011% | 36.011% | 36.011% | 10/27/2025 | 724 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Arc | $31,138.75 | 6.170% | $30,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | Not Stated | [Redacted] | $110,000.00 | 7.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.02 | Broker | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30242 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 2 | [Redacted] | $1,059.96 | [Redacted] | $88.33 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30239 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $2,037.96 | [Redacted] | $169.83 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.5 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30221 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,341.96 | [Redacted] | $111.83 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | [Redacted] | $75,099.26 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30333 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $315.84 | [Redacted] | $26.32 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 721 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | [Redacted] | $2,184,370.20 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 708.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30271 | N/A | No | No | [Redacted] | [Redacted] | 6.250% | No | No | US Citizen | 1 | [Redacted] | $2,064.12 | [Redacted] | $172.01 | 0.000% | 0.000% | 0.000% | 10/19/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | $204,696.29 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30112 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 3 | [Redacted] | $3,840.96 | [Redacted] | $320.08 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | [Redacted] | $3,302,868.05 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1186.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30084 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,295.52 | [Redacted] | $107.96 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 710 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30156 | Non QM | Yes | No | $8,133.00 | $2,895.92 | 7.261% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | US Citizen | $3,409.31 | 1 | [Redacted] | $1,225.44 | [Redacted] | $102.12 | 46.072% | 46.072% | 46.072% | 12/18/2025 | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,133.00 | 6.250% | $4,100.00 | 3.5 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $13,849.92 | 5.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.58 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30209 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $609.96 | [Redacted] | $50.83 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 5.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30312 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $862.20 | [Redacted] | $71.85 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30141 | Non QM | Yes | No | $7,807.48 | $1,050.00 | 6.631% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $8,487.85 | 1 | [Redacted] | $1,799.04 | [Redacted] | $149.92 | 33.190% | 33.190% | 33.190% | 12/29/2025 | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | The Loan Store | $7,807.48 | 6.250% | $12,160.11 | 2.5 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $81,684.80 | 14.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30240 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,317.00 | [Redacted] | $109.75 | 0.000% | 0.000% | 0.000% | 11/05/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30259 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,681.44 | [Redacted] | $140.12 | 0.000% | 0.000% | 0.000% | 11/05/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | [Redacted] | $256,545.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 165.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30401 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $843.48 | [Redacted] | $70.29 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 814 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | 240 | [Redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30290 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 2 | [Redacted] | $1,080.96 | [Redacted] | $90.08 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | [Redacted] | $108,640.45 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30207 | N/A | No | No | [Redacted] | [Redacted] | 7.625% | No | No | US Citizen | 1 | [Redacted] | $2,301.00 | [Redacted] | $191.75 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 122.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30253 | Higher Priced QM (APOR) | No | No | $10,592.13 | $12,731.18 | 7.696% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | US Citizen | $281,173.00 | 2 | [Redacted] | $4,409.04 | [Redacted] | $367.42 | 25.115% | 25.115% | 25.115% | 10/03/2025 | 743 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $10,592.13 | 6.190% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.18 | Broker | No | No | $0.00 | $0.00 | No | No | No | No | 13 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30241 | Safe Harbor QM (APOR) | Yes | No | $5,682.50 | $700.81 | 6.892% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $22,314.05 | 1 | [Redacted] | $2,416.32 | [Redacted] | $201.36 | 16.457% | 16.457% | 16.457% | 12/22/2025 | 817 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $5,682.50 | 6.250% | $0.00 | 2.5 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $9,539.14 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 18.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30029 | Non QM | Yes | No | $5,245.00 | $650.00 | 7.281% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $11,301.63 | 1 | [Redacted] | $2,505.00 | [Redacted] | $208.75 | 22.888% | 22.888% | 22.888% | 12/10/2025 | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $5,245.00 | 6.270% | $69,789.72 | 2.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30028 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $3,489.96 | [Redacted] | $290.83 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 762 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.7 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $550,186.81 | 73.850% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30021 | Non QM | Yes | No | $9,608.00 | $9,170.36 | 7.121% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $4,912.71 | 1 | [Redacted] | $1,395.96 | [Redacted] | $116.33 | 45.788% | 45.788% | 45.788% | 01/26/2026 | 762 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $9,608.00 | 6.060% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redacted] | $136,946.89 | 29.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30047 | Safe Harbor QM (APOR) | Yes | No | $18,665.00 | $5,506.03 | 7.471% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | US Citizen | $17,079.31 | 1 | [Redacted] | $5,502.00 | [Redacted] | $458.50 | 32.199% | 32.199% | 32.199% | 12/09/2025 | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $18,665.00 | 6.060% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30048 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,305.68 | [Redacted] | $192.14 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $95,837.97 | 39.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.59 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30151 | Non QM | Yes | No | $1,590.00 | $2,833.82 | 7.298% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $13,733.61 | 1 | [Redacted] | $3,065.04 | [Redacted] | $255.42 | 26.008% | 26.008% | 26.008% | 01/16/2026 | 721 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,590.00 | 6.060% | $0.00 | 1.1 | None | No | No | 7.250% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | $766,810.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 128.7 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30257 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,036.04 | [Redacted] | $169.67 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redacted] | $348,760.48 | 43.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30223 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,035.96 | [Redacted] | $86.33 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 753 | 775 | 770 | 768 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.5 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $377,885.87 | 30.470% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30164 | Non QM | Yes | No | $13,248.24 | $14,323.55 | 7.134% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $34,118.47 | 1 | [Redacted] | $2,633.04 | [Redacted] | $219.42 | 28.942% | 28.942% | 28.942% | 01/20/2026 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $13,248.24 | 6.250% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $13,193.00 | 1.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30172 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,259.04 | [Redacted] | $104.92 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | [Redacted] | $2,000.00 | 1.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30069 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $528.96 | [Redacted] | $44.08 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30110 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $915.96 | [Redacted] | $76.33 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 774 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | [Redacted] | $219,182.83 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 167.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30222 | Safe Harbor QM (APOR) | Yes | No | $11,735.00 | $15,940.00 | 7.013% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $46,474.84 | 1 | [Redacted] | $2,994.96 | [Redacted] | $249.58 | 15.979% | 15.979% | 15.979% | 12/22/2025 | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $11,735.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $210,559.22 | 32.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.86 | No | $55,313.64 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30191 | Safe Harbor QM (APOR) | Yes | No | $6,817.84 | $12,086.24 | 7.053% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | US Citizen | $8,218.03 | 1 | [Redacted] | $1,875.96 | [Redacted] | $156.33 | 28.284% | 28.284% | 28.284% | 10/17/2025 | 698 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $6,817.84 | 6.190% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30097 | Safe Harbor QM (APOR) | Yes | Yes | $6,071.88 | $7,681.75 | 7.159% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | US Citizen | $6,902.04 | 1 | [Redacted] | $2,007.00 | [Redacted] | $167.25 | 29.870% | 29.870% | 29.870% | 01/14/2026 | 724 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $6,071.88 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $1,527.89 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30025 | N/A | No | Yes | $0.00 | 6.827% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | US Citizen | $6,915.05 | 1 | [Redacted] | $2,627.16 | [Redacted] | $218.93 | 38.533% | 38.533% | 38.533% | 12/19/2025 | 786 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | 6.180% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | $260,882.15 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30245 | Safe Harbor QM (APOR) | Yes | No | $1,200.00 | $1,813.47 | 6.802% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $10,035.17 | 1 | [Redacted] | $1,675.80 | [Redacted] | $139.65 | 25.238% | 25.238% | 25.238% | 01/07/2026 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,200.00 | 6.060% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $364,471.05 | 95.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.35 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30252 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,203.96 | [Redacted] | $100.33 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 4.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30175 | Safe Harbor QM (APOR) | Yes | No | $8,609.00 | $6,051.52 | 6.921% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $14,889.38 | 1 | [Redacted] | $1,694.04 | [Redacted] | $141.17 | 25.872% | 25.872% | 25.872% | 12/29/2025 | 708 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,609.00 | 6.250% | $10,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $274,224.85 | 32.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 18.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30026 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $763.32 | [Redacted] | $63.61 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 776 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 4.7 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30085 | Safe Harbor QM (APOR) | Yes | No | $2,194.00 | $4,882.33 | 7.061% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,402.52 | 1 | [Redacted] | $3,155.76 | [Redacted] | $262.98 | 41.311% | 41.311% | 41.311% | 12/24/2025 | 762 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2008 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $2,194.00 | 6.170% | $0.00 | 3.5 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $134,830.68 | 15.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.25 | Retail | No | $7,158.53 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30041 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $995.04 | [Redacted] | $82.92 | 0.000% | 0.000% | 0.000% | 12/31/2025 | 766 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.7 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | $769,728.76 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30304 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $3,217.92 | [Redacted] | $268.16 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | $484,070.87 | 81.760% | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30027 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,338.12 | [Redacted] | $111.51 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | $551,900.12 | 72.270% | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30083 | Safe Harbor QM (APOR) | Yes | No | $7,242.96 | $10,038.91 | 7.612% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $43,734.79 | 1 | [Redacted] | $4,442.76 | [Redacted] | $370.23 | 23.634% | 23.634% | 23.634% | 01/13/2026 | 681 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $7,242.96 | 6.170% | $5,000.00 | 2.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $189,356.33 | 16.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.95 | Retail | No | $28,634.96 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30301 | Safe Harbor QM (APOR) | Yes | No | $8,237.60 | $8,498.59 | 7.215% | [Redacted] | [Redacted] | 7.000% | Yes | No | Self-Employed | US Citizen | $10,914.86 | 1 | [Redacted] | $2,357.04 | [Redacted] | $196.42 | 46.889% | 46.889% | 46.889% | 11/13/2025 | 683 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,237.60 | 6.170% | $6,900.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $137,981.44 | 28.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30051 | Non QM | Yes | No | $1,395.00 | $3,791.06 | 6.405% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $69,242.64 | 1 | [Redacted] | $5,904.00 | [Redacted] | $492.00 | 26.650% | 26.650% | 26.650% | 10/30/2025 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,395.00 | 6.170% | $0.00 | 2.2 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $142,848.33 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.76 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30136 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,592.04 | [Redacted] | $132.67 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 767 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.5 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 138.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30057 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $858.00 | [Redacted] | $71.50 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 792 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.3 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [Redacted] | $94,638.95 | 66.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30111 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,399.12 | [Redacted] | $283.26 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30119 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,761.72 | [Redacted] | $146.81 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | $451,850.22 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 168.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30432 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 2 | [Redacted] | $1,852.92 | [Redacted] | $154.41 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 730 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | [Redacted] | $91,322.00 | 44.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.9 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30206 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $2,430.00 | [Redacted] | $202.50 | 0.000% | 0.000% | 0.000% | 11/24/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30319 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $330.00 | [Redacted] | $27.50 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 712 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30202 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $3,375.84 | [Redacted] | $281.32 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 815 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | 240 | [Redacted] | $20,000.00 | 4.870% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 8.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30322 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 2 | [Redacted] | $9,416.28 | [Redacted] | $784.69 | 0.000% | 0.000% | 0.000% | 06/16/2025 | 716 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | 240 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30139 | Safe Harbor QM (APOR) | Yes | No | $4,075.00 | $4,420.90 | 6.489% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $11,708.34 | 1 | [Redacted] | $1,860.96 | [Redacted] | $155.08 | 42.082% | 42.082% | 42.082% | 12/01/2025 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,075.00 | 6.180% | $0.00 | 2.3 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $138,325.01 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30297 | Non QM | Yes | No | $6,419.38 | $2,217.67 | 8.124% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | US Citizen | $11,878.04 | 1 | [Redacted] | $2,291.04 | [Redacted] | $190.92 | 33.231% | 33.231% | 33.231% | 01/07/2026 | 700 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | The Loan Store | $6,419.38 | 6.180% | $32,916.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | No | [Redacted] | $47,584.57 | 10.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30023 | Safe Harbor QM (APOR) | Yes | No | $4,634.36 | $5,282.77 | 6.765% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $3,506.94 | 1 | [Redacted] | $1,335.00 | [Redacted] | $111.25 | 44.043% | 44.043% | 44.043% | 12/09/2025 | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,634.36 | 6.180% | $1,500.00 | 1.2 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $315,197.10 | 63.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.72 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30238 | Non QM | Yes | No | $4,008.28 | $6,686.50 | 7.408% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $3,562.84 | 1 | [Redacted] | $1,309.92 | [Redacted] | $109.16 | 40.884% | 40.884% | 40.884% | 11/13/2025 | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,008.28 | 6.220% | $0.00 | 2.6 | None | No | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.3 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30152 | Safe Harbor QM (APOR) | Yes | No | $13,482.00 | $2,325.62 | 6.246% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | US Citizen | $24,303.97 | 1 | [Redacted] | $2,519.28 | [Redacted] | $209.94 | 25.178% | 25.178% | 25.178% | 01/05/2026 | 699 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $13,482.00 | 6.140% | $26,344.91 | 4.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $732,854.73 | 81.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30302 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,068.96 | [Redacted] | $89.08 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | $117,910.17 | 31.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30053 | Safe Harbor QM (APOR) | Yes | No | $3,289.40 | $4,928.48 | 6.414% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | US Citizen | $2,923.31 | 1 | [Redacted] | $1,955.04 | [Redacted] | $162.92 | 41.401% | 41.401% | 41.401% | 01/08/2026 | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $3,289.40 | 6.180% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30080 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,020.96 | [Redacted] | $85.08 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.9 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30039 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $607.44 | [Redacted] | $50.62 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | [Redacted] | $1,325,302.71 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 291.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30163 | Safe Harbor QM (APOR) | Yes | No | $5,995.00 | $7,400.21 | 6.781% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $8,072.98 | 1 | [Redacted] | $3,749.04 | [Redacted] | $312.42 | 29.993% | 29.993% | 29.993% | 11/19/2025 | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $5,995.00 | 6.170% | $5,000.00 | 2.6 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $575,773.04 | 91.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.91 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30182 | Higher Priced QM (APOR) | Yes | No | $8,175.00 | $9,297.16 | 8.419% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | US Citizen | $5,317.49 | 1 | [Redacted] | $2,705.04 | [Redacted] | $225.42 | 41.665% | 41.665% | 41.665% | 11/04/2025 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $8,175.00 | 6.260% | $45,300.00 | 1.0 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.95 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30197 | Non QM | Yes | No | $9,352.30 | $1,467.85 | 9.143% | [Redacted] | [Redacted] | 9.125% | No | No | Self-Employed | US Citizen | $10,610.57 | 1 | [Redacted] | $1,467.84 | [Redacted] | $122.32 | 43.394% | 43.394% | 43.394% | 10/22/2025 | 723 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $9,352.30 | 6.170% | $23,182.12 | 1.0 | None | N/A | No | 9.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | [Redacted] | $69,968.63 | 17.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.7 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30311 | Safe Harbor QM (APOR) | Yes | No | $5,966.92 | $12,809.28 | 7.275% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $3,281.03 | 1 | [Redacted] | $1,609.08 | [Redacted] | $134.09 | 49.982% | 49.982% | 49.982% | 10/16/2025 | 636 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Arc | $5,966.92 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.000% | 1 | 1 | 0 | 5 | 3 | No | Not Stated | [Redacted] | $29,199.92 | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.39 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30169 | Non QM | Yes | No | $1,640.00 | $3,729.15 | 7.777% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,917.93 | 1 | [Redacted] | $5,492.04 | [Redacted] | $457.67 | 36.783% | 32.835% | 36.783% | 10/14/2025 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | $1,619,167.67 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 174.57 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30184 | Safe Harbor QM (APOR) | Yes | No | $7,657.80 | $11,134.50 | 7.502% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,986.42 | 1 | [Redacted] | $3,686.52 | [Redacted] | $307.21 | 44.646% | 44.646% | 44.646% | 11/19/2025 | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,657.80 | 6.190% | $17,500.00 | 2.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $272,377.48 | 29.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.55 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30189 | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $4,188.32 | 6.398% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $21,896.03 | 1 | [Redacted] | $2,121.00 | [Redacted] | $176.75 | 37.184% | 37.184% | 37.184% | 10/16/2025 | 801 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.290% | $0.00 | 3.2 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 1 | 24 | 0.00 | Yes | Not Stated | [Redacted] | $573,460.89 | 30.540% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.12 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30171 | Higher Priced QM (APOR) | Yes | No | $1,640.00 | $3,286.12 | 8.199% | [Redacted] | [Redacted] | 8.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $19,172.68 | 1 | [Redacted] | $2,839.80 | [Redacted] | $236.65 | 20.282% | 20.282% | 20.282% | 11/17/2025 | 718 | No | No | [Borrower - | Primary Income - Wages]; D1C Income Verification Report - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; D1C Income Verification Report - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.270% | $0.00 | 1.1 | None | N/A | No | 8.125% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | $53,676.55 | No | 24 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.47 | Retail | No | $15,562.46 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30168 | Safe Harbor QM (APOR) | Yes | No | $7,070.00 | $2,054.25 | 6.518% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Self-Employed | Self-Employed | 10.42 | US Citizen | US Citizen | $14,775.21 | 1 | [Redacted] | $1,470.00 | [Redacted] | $122.50 | 33.018% | 33.018% | 33.018% | 10/28/2025 | 770 | 759 | 770 | 776 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2015 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2015 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,070.00 | 6.160% | $0.00 | 1.4 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $142,167.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.69 | No | No | $22,058.56 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30183 | Non QM | Yes | No | $16,645.00 | $19,294.98 | 7.851% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $30,123.42 | 1 | [Redacted] | $3,017.04 | [Redacted] | $251.42 | 25.555% | 25.555% | 25.555% | 01/08/2026 | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $16,645.00 | 6.230% | $2,128.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $20,000.00 | 2.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30170 | N/A | No | No | [Redacted] | [Redacted] | 8.625% | No | No | US Citizen | 1 | [Redacted] | $2,073.00 | [Redacted] | $172.75 | 0.000% | 0.000% | 0.000% | 11/06/2025 | 691 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.65 | Retail | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30195 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $5,130.24 | [Redacted] | $427.52 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 801 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | $346,183.97 | 57.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.43 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30185 | N/A | No | No | [Redacted] | [Redacted] | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,773.00 | [Redacted] | $147.75 | 0.000% | 0.000% | 0.000% | 10/28/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | [Redacted] | $219,640.32 | 48.800% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.3 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30265 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,292.76 | [Redacted] | $107.73 | 0.000% | 0.000% | 0.000% | 11/26/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redacted] | $242,163.66 | 66.470% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.49 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30173 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,187.96 | [Redacted] | $182.33 | 0.000% | 0.000% | 0.000% | 10/02/2025 | 724 | 735 | 755 | 754 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.02 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30228 | N/A | No | No | [Redacted] | [Redacted] | 7.875% | No | No | US Citizen | 1 | [Redacted] | $2,493.96 | [Redacted] | $207.83 | 0.000% | 0.000% | 0.000% | 11/23/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $81,168.38 | 36.070% | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.56 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30310 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,433.00 | [Redacted] | $202.75 | 0.000% | 0.000% | 0.000% | 09/24/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | [Redacted] | $375,540.05 | 51.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.11 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30098 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,067.04 | [Redacted] | $88.92 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.8 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30102 | Safe Harbor QM (APOR) | Yes | No | $6,395.00 | $8,965.80 | 6.570% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $31,753.42 | 1 | [Redacted] | $1,044.00 | [Redacted] | $87.00 | 18.416% | 18.416% | 18.416% | 12/31/2025 | 783 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,395.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $192,815.22 | 41.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.59 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30054 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,466.04 | [Redacted] | $122.17 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 703 | No | No | Alternative Documentation (A) | DSCR | 1 | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | $515,469.14 | 99.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 100.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30056 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,206.96 | [Redacted] | $100.58 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 676 | No | No | DSCR | 1 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30391 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $771.96 | [Redacted] | $64.33 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.3 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | [Redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30334 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $3,662.04 | [Redacted] | $305.17 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $247,767.97 | 19.430% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 18.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30329 | N/A | No | No | [Redacted] | [Redacted] | 6.125% | No | No | US Citizen | 1 | [Redacted] | $1,143.96 | [Redacted] | $95.33 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 806 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | $359,457.59 | 53.170% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30390 | Safe Harbor QM (APOR) | Yes | No | $17,025.17 | $16,922.01 | 7.037% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,294.19 | 1 | [Redacted] | $2,451.96 | [Redacted] | $204.33 | 49.996% | 49.996% | 49.996% | 657 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2025 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $17,025.17 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 | 10.97 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30132 | Safe Harbor QM (APOR) | Yes | Yes | $10,006.00 | $15,350.20 | 6.461% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,656.24 | 1 | [Redacted] | $1,930.08 | [Redacted] | $160.84 | 40.934% | 40.934% | 40.934% | 01/12/2026 | 684 | No | No | [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $10,006.00 | 6.170% | $0.00 | 4.7 | DU | ApproveEligible | N/A | No | 6.375% | 2 | 3 | 2 | 0 | 3 | 0 | No | Not Stated | [Redacted] | $316,399.01 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37 | No | No | $0.00 | $10,427.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30138 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,068.00 | [Redacted] | $89.00 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.37 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30103 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,309.76 | [Redacted] | $192.48 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $106,127.81 | 34.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30088 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,368.12 | [Redacted] | $114.01 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $43,725.92 | 27.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30130 | Non QM | Yes | No | $6,495.00 | $5,994.75 | 6.562% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | US Citizen | $2,586.60 | 1 | [Redacted] | $1,875.96 | [Redacted] | $156.33 | 36.486% | 36.486% | 36.486% | 11/14/2025 | 719 | No | Yes | 12 | Business | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,495.00 | 6.060% | $0.00 | 2.5 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30045 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $4,770.96 | [Redacted] | $397.58 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $127,922.38 | 34.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30060 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $803.04 | [Redacted] | $66.92 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 736 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Short Form | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.61 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30040 | Safe Harbor QM (APOR) | Yes | No | $5,917.50 | $6,905.37 | 6.690% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $12,095.97 | 2 | [Redacted] | $3,594.96 | [Redacted] | $299.58 | 21.624% | 21.624% | 21.624% | 11/25/2025 | 789 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | The Loan Store | $5,917.50 | 6.100% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | Not Stated | [Redacted] | $33,918.02 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30137 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $735.00 | [Redacted] | $61.25 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 736 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30403 | Non QM | Yes | No | $16,494.99 | $1,100.00 | 8.132% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | US Citizen | $22,006.91 | 1 | [Redacted] | $1,878.00 | [Redacted] | $156.50 | 41.015% | 41.015% | 41.015% | 01/07/2026 | 784 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | Arc | $16,494.99 | 6.060% | $13,892.13 | 3.2 | None | N/A | No | 8.125% | 1 | 0 | 0 | 3 | 0 | No | [Redacted] | $159,826.32 | 14.330% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.07 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30165 | N/A | No | No | [Redacted] | [Redacted] | 6.250% | No | No | US Citizen | 1 | [Redacted] | $1,990.32 | [Redacted] | $165.86 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.3 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 240 | [Redacted] | $163,105.88 | 37.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 7.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30210 | N/A | No | No | [Redacted] | [Redacted] | 7.625% | No | No | Permanent Resident Alien | 3 | [Redacted] | $1,848.96 | [Redacted] | $154.08 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 14.33 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30243 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 2 | [Redacted] | $6,370.20 | [Redacted] | $530.85 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | [Redacted] | $584,020.84 | No | Yes | Commitment | Fee Simple | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 200.82 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30291 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $923.04 | [Redacted] | $76.92 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 655 | No | No | DSCR | 1 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redacted] | $161,833.19 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.38 | Retail | No | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30232 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $705.96 | [Redacted] | $58.83 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 810 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [Redacted] | $214,517.76 | 54.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.82 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30234 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $8,044.68 | [Redacted] | $670.39 | 0.000% | 0.000% | 0.000% | 08/20/2025 | 708 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.5 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.24 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30262 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 2 | [Redacted] | $2,670.24 | [Redacted] | $222.52 | 0.000% | 0.000% | 0.000% | 10/06/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | 240 | [Redacted] | $80,170.90 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.62 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30211 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,038.00 | [Redacted] | $86.50 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | $165,784.90 | 46.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.51 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30201 | N/A | No | No | [Redacted] | [Redacted] | 7.875% | No | No | US Citizen | 1 | [Redacted] | $268.80 | [Redacted] | $22.40 | 0.000% | 0.000% | 0.000% | 11/11/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | [Redacted] | $110,037.08 | 40.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.08 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30235 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,322.76 | [Redacted] | $110.23 | 0.000% | 0.000% | 0.000% | 09/29/2025 | 723 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | [Redacted] | $190,308.89 | 41.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.37 | Retail | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30231 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,056.96 | [Redacted] | $88.08 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 784 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | [Redacted] | $53,303.31 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.53 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30315 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,093.92 | [Redacted] | $91.16 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.7 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | [Redacted] | $253,428.29 | 46.070% | Yes | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.72 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30255 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $561.96 | [Redacted] | $46.83 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 800 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $182,278.13 | 60.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.6 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30318 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,239.92 | [Redacted] | $186.66 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.36 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30205 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $3,542.04 | [Redacted] | $295.17 | 0.000% | 0.000% | 0.000% | 10/28/2025 | 713 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | [Redacted] | $438,191.56 | 66.390% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.32 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30229 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,479.00 | [Redacted] | $123.25 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.03 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30263 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,296.96 | [Redacted] | $108.08 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 777 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $1,119,977.18 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 262.6 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30230 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,459.04 | [Redacted] | $204.92 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 700 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 3.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | [Redacted] | $17,350.19 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 129 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30273 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,239.96 | [Redacted] | $103.33 | 0.000% | 0.000% | 0.000% | 11/24/2025 | 793 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.7 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | [Redacted] | $220,616.70 | 32.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.76 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30254 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $5,255.04 | [Redacted] | $437.92 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 744 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | [Redacted] | $375,376.53 | 62.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.16 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30212 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $3,450.48 | [Redacted] | $287.54 | 0.000% | 0.000% | 0.000% | 11/24/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | [Redacted] | $727,127.04 | 90.890% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 100.28 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30247 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $4,425.60 | [Redacted] | $368.80 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 747 | 747 | 767 | 754 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | $234,174.70 | 64.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.33 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30279 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,380.96 | [Redacted] | $115.08 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 761 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $3,057,780.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 986.93 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30217 | N/A | No | No | [Redacted] | [Redacted] | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,191.96 | [Redacted] | $99.33 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 805 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | $260,553.14 | 72.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.55 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30216 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,007.96 | [Redacted] | $167.33 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.3 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $33,941.55 | 7.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.13 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30244 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 3 | [Redacted] | $3,075.96 | [Redacted] | $256.33 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | [Redacted] | $28,537.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.41 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30294 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $4,305.00 | [Redacted] | $358.75 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 761 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | 240 | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.22 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30214 | Non QM | Yes | No | $1,395.00 | $2,397.98 | 7.432% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | US Citizen | $34,714.87 | 1 | [Redacted] | $747.96 | [Redacted] | $62.33 | 19.265% | 19.265% | 19.265% | 12/11/2025 | 797 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,395.00 | 6.270% | $0.00 | 1.7 | None | N/A | No | 7.375% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | $236,381.80 | 48.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.48 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30251 | Non QM | Yes | No | $18,721.00 | $6,884.33 | 6.759% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,227.56 | 1 | [Redacted] | $4,545.24 | [Redacted] | $378.77 | 29.685% | 29.685% | 29.685% | 10/16/2025 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,721.00 | 6.230% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | [Redacted] | $49,687.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30272 | Non QM | Yes | No | $6,260.00 | $8,860.49 | 7.092% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | US Citizen | $3,675.87 | 1 | [Redacted] | $966.96 | [Redacted] | $80.58 | 42.942% | 42.942% | 42.942% | 11/19/2025 | 800 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Arc | $6,260.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 2 | 0 | 4 | 2 | 0.00 | No | [Redacted] | $560,481.94 | 94.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.06 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30316 | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $4,076.14 | 6.944% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income | US Citizen | $6,006.44 | 1 | [Redacted] | $3,881.04 | [Redacted] | $323.42 | 42.201% | 42.201% | 42.201% | 11/26/2025 | 736 | No | No | [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 2 | 1 | 0 | Guaranteed Rate | $1,640.00 | 6.250% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $473,382.19 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.28 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30249 | Safe Harbor QM (APOR) | Yes | No | $2,920.00 | $3,382.93 | 7.113% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $6,179.26 | 1 | [Redacted] | $3,752.04 | [Redacted] | $312.67 | 40.155% | 40.155% | 40.155% | 11/19/2025 | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,920.00 | 6.190% | $0.00 | 2.4 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $9,635.04 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.49 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30248 | Non QM | Yes | No | $5,289.12 | $9,118.17 | 7.320% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $34,086.31 | 1 | [Redacted] | $3,923.64 | [Redacted] | $326.97 | 29.433% | 29.433% | 29.433% | 11/25/2025 | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $5,289.12 | 6.250% | $0.00 | 3.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $281,444.39 | 26.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.44 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30250 | Safe Harbor QM (APOR) | Yes | No | $2,802.50 | $6,318.14 | 6.786% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $5,708.67 | 1 | [Redacted] | $5,911.92 | [Redacted] | $492.66 | 44.087% | 44.087% | 44.087% | 11/13/2025 | 735 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,802.50 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.64 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30233 | Safe Harbor QM (APOR) | Yes | No | $4,382.18 | $6,337.88 | 6.998% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,925.90 | 1 | [Redacted] | $6,927.96 | [Redacted] | $577.33 | 49.031% | 49.031% | 49.031% | 12/11/2025 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $4,382.18 | 6.250% | $0.00 | 2.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $268,871.37 | 45.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.99 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30224 | Non QM | Yes | No | $17,170.00 | $16,574.38 | 6.885% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Self-Employed | Self-Employed | 7.96 | US Citizen | US Citizen | $43,996.78 | 1 | [Redacted] | $5,924.04 | [Redacted] | $493.67 | 20.006% | 20.006% | 20.006% | 12/03/2025 | 729 | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $17,170.00 | 6.250% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.45 | Broker | No | $55,000.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30292 | Non QM | Yes | No | $7,750.00 | $10,463.12 | 7.356% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $33,483.07 | 1 | [Redacted] | $13,263.24 | [Redacted] | $1,105.27 | 23.415% | 23.415% | 23.415% | 11/23/2025 | 652 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $7,750.00 | 6.250% | $0.00 | 1.7 | None | N/A | No | 6.875% | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.06 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30293 | Safe Harbor QM (APOR) | Yes | No | $2,090.00 | $5,126.47 | 7.721% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $52,450.16 | 1 | [Redacted] | $4,448.04 | [Redacted] | $370.67 | 11.147% | 11.147% | 11.147% | 12/17/2025 | 731 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $2,090.00 | 6.250% | $5,700.00 | 3.3 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | [Redacted] | $144,715.18 | 19.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.52 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30213 | Safe Harbor QM (APOR) | Yes | No | $1,695.00 | $3,736.39 | 6.956% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $5,424.17 | 1 | [Redacted] | $1,455.00 | [Redacted] | $121.25 | 40.527% | 40.527% | 40.527% | 12/03/2025 | 746 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $1,695.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | 11 | 11 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.23 | Retail | No | $0.00 | $2,708.33 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30296 | Safe Harbor QM (APOR) | Yes | No | $19,340.00 | $22,106.64 | 7.134% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | US Citizen | $48,190.68 | 1 | [Redacted] | $23,327.04 | [Redacted] | $1,943.92 | 22.391% | 22.391% | 22.391% | 01/08/2026 | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | FM Home Loans | $19,340.00 | 6.170% | $0.00 | 2.4 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.51 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30430 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,173.00 | [Redacted] | $97.75 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.1 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | $41,236.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30126 | Non QM | Yes | No | $25,948.00 | $9,390.10 | 7.178% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | US Citizen | $44,494.43 | 1 | [Redacted] | $1,521.48 | [Redacted] | $126.79 | 18.109% | 18.109% | 18.109% | 02/10/2026 | 694 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2013 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $25,948.00 | 6.100% | $5,978.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $337,191.88 | 23.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 78.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30344 | N/A | No | No | [Redacted] | [Redacted] | 6.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $635.04 | [Redacted] | $52.92 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 791 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30038 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $6,007.08 | [Redacted] | $500.59 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 807 | No | No | Alternative Documentation (A) | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | Not Stated | [Redacted] | $123,408.64 | 13.940% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 13.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30014 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $579.72 | [Redacted] | $48.31 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 774 | No | No | Other Documentation (O) | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 5.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [Redacted] | $1,325,302.71 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 291.85 | No | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30462 | Non QM | Yes | No | $2,540.00 | $6,739.23 | 6.541% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $14,704.04 | 1 | [Redacted] | $6,078.96 | [Redacted] | $506.58 | 36.536% | 36.536% | 36.536% | 01/15/2026 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | The Loan Store | $2,540.00 | 6.060% | $0.00 | 3.1 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 52.41 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30015 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $607.44 | [Redacted] | $50.62 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 4.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 240 | [Redacted] | $1,325,302.67 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 289.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30052 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 2 | [Redacted] | $4,109.04 | [Redacted] | $342.42 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30125 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | 3 | [Redacted] | $2,563.20 | [Redacted] | $213.60 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30071 | Safe Harbor QM (APOR) | Yes | No | $7,566.00 | $9,021.00 | 7.048% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $23,929.17 | 1 | [Redacted] | $3,522.24 | [Redacted] | $293.52 | 19.151% | 19.151% | 19.151% | 12/02/2025 | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2000 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $7,566.00 | 6.190% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30049 | N/A | No | No | [Redacted] | [Redacted] | 7.875% | No | No | US Citizen | 1 | [Redacted] | $2,184.12 | [Redacted] | $182.01 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30089 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 4 | [Redacted] | $5,460.24 | [Redacted] | $455.02 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 817 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | $175,911.69 | 7.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 24.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30101 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 4 | [Redacted] | $3,163.32 | [Redacted] | $263.61 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30095 | Safe Harbor QM (APOR) | Yes | Yes | $6,834.16 | $10,070.14 | 6.795% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,505.61 | 1 | [Redacted] | $6,522.96 | [Redacted] | $543.58 | 40.532% | 40.532% | 40.532% | 01/09/2026 | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $6,834.16 | 6.100% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 3 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $5,201.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30055 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,956.00 | [Redacted] | $163.00 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | $4,207.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30225 | Non QM | Yes | No | $3,661.48 | $4,442.48 | 8.329% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | US Citizen | $7,396.55 | 1 | [Redacted] | $2,844.00 | [Redacted] | $237.00 | 32.312% | 32.312% | 32.312% | 08/28/2025 | 709 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | Arc | $3,661.48 | 6.260% | $2,202.63 | 1.0 | None | N/A | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 22.00 | No | [Redacted] | $28,221.75 | 10.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.68 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30114 | Non QM | Yes | No | $31,615.00 | $34,363.34 | 6.591% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,727.29 | 1 | [Redacted] | $5,735.04 | [Redacted] | $477.92 | 50.002% | 50.002% | 50.002% | 12/01/2025 | 662 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Foster Care]; Other - 2025 [Borrower - | Non-Primary Income - Foster Care]; Other - 2023 [Borrower - | Non-Primary Income - Foster Care]; Other - 2023 [Borrower - | Non-Primary Income - Foster Care]; Other - 2022 [Borrower - | Non-Primary Income - Child Support]; Other - 2025 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Other - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Other - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | HomeBridge | $31,615.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 6.375% | 1 | 1 | 1 | 0 | 2 | 1 | 10.97 | No | [Redacted] | $2,686.50 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.74 | No | No | $6,476.40 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30143 | Safe Harbor QM (APOR) | Yes | No | $2,320.25 | $4,374.20 | 6.479% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $8,087.87 | 1 | [Redacted] | $2,678.04 | [Redacted] | $223.17 | 34.141% | 34.141% | 34.141% | 12/17/2025 | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $2,320.25 | 6.270% | $365,000.00 | 1.4 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $9,659.61 | 1.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.07 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30081 | Non QM | Yes | No | $7,368.96 | $14,290.01 | 7.185% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $8,956.17 | 1 | [Redacted] | $10,347.00 | [Redacted] | $862.25 | 34.108% | 34.108% | 34.108% | 11/26/2025 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $7,368.96 | 6.190% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $5,000.00 | 0.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30068 | Safe Harbor QM (APOR) | Yes | No | $2,571.94 | $4,058.99 | 7.556% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | US Citizen | $5,407.38 | 1 | [Redacted] | $4,262.04 | [Redacted] | $355.17 | 39.890% | 39.890% | 39.890% | 10/23/2025 | 652 | Yes | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $2,571.94 | 6.270% | $0.00 | 1.5 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | Not Stated | [Redacted] | $170,836.91 | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.57 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30178 | Safe Harbor QM (APOR) | Yes | No | $1,539.00 | $6,137.31 | 6.386% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $25,523.28 | 1 | [Redacted] | $1,029.00 | [Redacted] | $85.75 | 26.575% | 26.575% | 26.575% | 12/08/2025 | 773 | No | Yes | 24 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $1,539.00 | 6.220% | $0.00 | 4.7 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $110,178.66 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.24 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30346 | Non QM | Yes | No | $20,305.00 | $10,656.21 | 6.988% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $8,669.39 | 1 | [Redacted] | $4,387.20 | [Redacted] | $365.60 | 44.763% | 36.369% | 44.763% | 12/11/2025 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $20,305.00 | 6.180% | $0.00 | 3.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [Redacted] | $15,000.00 | 1.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.05 | Broker | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30394 | Non QM | Yes | No | $10,207.97 | $12,775.42 | 7.993% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $6,198.47 | 1 | [Redacted] | $2,400.24 | [Redacted] | $200.02 | 43.174% | 43.174% | 43.174% | 11/26/2025 | 724 | No | Yes | 12 | Personal | 100.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $10,207.97 | 6.250% | $60,000.00 | 4.3 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | [Redacted] | $28,670.68 | 7.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.7 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30167 | Non QM | Yes | No | $6,456.23 | $7,237.76 | 6.619% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Non-Employment Income | US Citizen | $4,365.17 | 1 | [Redacted] | $3,564.96 | [Redacted] | $297.08 | 42.471% | 35.460% | 42.471% | 12/12/2025 | 796 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Arc | $6,456.23 | 6.190% | $0.00 | 2.4 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | $766,606.37 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 362.69 | Retail | No | $7,587.70 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30157 | Safe Harbor QM (APOR) | Yes | No | $1,985.00 | $4,282.73 | 7.138% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $15,700.31 | 1 | [Redacted] | $3,288.00 | [Redacted] | $274.00 | 22.825% | 22.825% | 22.825% | 01/13/2026 | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,985.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $795,270.36 | 86.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.87 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30158 | Non QM | Yes | No | $22,744.51 | $25,826.88 | 6.691% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $15,424.82 | 1 | [Redacted] | $2,261.04 | [Redacted] | $188.42 | 43.082% | 34.899% | 43.082% | 12/11/2025 | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2013 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $22,744.51 | 6.270% | $0.00 | 2.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.48 | Retail | No | $27,100.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30064 | Safe Harbor QM (APOR) | Yes | No | $5,570.25 | $7,715.01 | 6.620% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $32,816.72 | 1 | [Redacted] | $3,869.04 | [Redacted] | $322.42 | 17.958% | 17.958% | 17.958% | 11/24/2025 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $5,570.25 | 6.270% | $0.00 | 2.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $154,328.91 | 15.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.79 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30118 | Non QM | Yes | No | $1,629.00 | $2,487.47 | 9.379% | [Redacted] | [Redacted] | 9.375% | No | No | Self-Employed | US Citizen | $21,253.04 | 1 | [Redacted] | $7,109.88 | [Redacted] | $592.49 | 25.303% | 25.303% | 25.303% | 12/20/2025 | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,629.00 | 6.250% | $20,789.65 | 1.0 | None | N/A | No | 9.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $69,746.49 | 11.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.45 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30307 | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $5,954.69 | 6.901% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $18,683.17 | 1 | [Redacted] | $2,885.04 | [Redacted] | $240.42 | 33.196% | 33.196% | 33.196% | 12/23/2025 | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2004 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $163,866.01 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.13 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30323 | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $9,118.03 | 6.918% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | US Citizen | $3,882.45 | 1 | [Redacted] | $528.96 | [Redacted] | $44.08 | 49.980% | 49.980% | 49.980% | 11/18/2025 | 745 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $1,595.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $218,408.57 | 40.820% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.42 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30044 | Safe Harbor QM (APOR) | Yes | Yes | $1,545.00 | $2,918.33 | 7.040% | [Redacted] | [Redacted] | 7.000% | No | Yes | Not Employed | Employed | Employed | 16.58 | US Citizen | US Citizen | US Citizen | $17,075.73 | 1 | [Redacted] | $2,025.96 | [Redacted] | $168.83 | 48.299% | 48.299% | 48.299% | 11/27/2025 | 723 | 731 | 771 | 759 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $1,545.00 | 6.250% | $0.00 | 1.4 | DU | ApproveEligible | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $92,907.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.02 | Retail | Yes | No | $0.00 | $33,027.92 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30096 | Higher Priced QM (APOR) | Yes | Yes | $1,845.00 | $3,455.60 | 7.703% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | US Citizen | $8,186.12 | 1 | [Redacted] | $2,127.96 | [Redacted] | $177.33 | 46.236% | 46.236% | 46.236% | 01/05/2026 | 805 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $1,845.00 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $80,053.12 | 38.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.41 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30030 | Higher Priced QM (APOR) | Yes | Yes | $1,599.00 | $3,011.70 | 7.803% | [Redacted] | [Redacted] | 7.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $5,683.22 | 1 | [Redacted] | $4,383.00 | [Redacted] | $365.25 | 44.552% | 44.552% | 44.552% | 12/09/2025 | 706 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $1,599.00 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.750% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $48,106.99 | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.69 | Retail | No | $5,025.29 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30108 | Non QM | Yes | No | $7,451.13 | $8,363.75 | 8.667% | [Redacted] | [Redacted] | 8.375% | No | No | Not Employed | Not Employed | Self-Employed | 16.99 | US Citizen | US Citizen | $173,241.06 | 1 | [Redacted] | $2,249.52 | [Redacted] | $187.46 | 8.163% | 8.163% | 8.163% | 10/07/2025 | 731 | 690 | 746 | 731 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 24 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Arc | $7,451.13 | 6.270% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.46 | Retail | No | No | $188,640.32 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30078 | Non QM | Yes | No | $10,315.00 | $12,447.67 | 7.434% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | US Citizen | $5,149.31 | 1 | [Redacted] | $1,205.76 | [Redacted] | $100.48 | 40.127% | 40.127% | 40.127% | 12/02/2025 | 657 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $10,315.00 | 6.140% | $0.00 | 1.2 | None | N/A | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.28 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30120 | Exempt from ATR | Non QM | Yes | Yes | No | $1,395.00 | $4,694.62 | 6.783% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $26,452.79 | 1 | [Redacted] | $4,978.68 | [Redacted] | $414.89 | 26.780% | 26.780% | 26.780% | 12/01/2025 | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | First Colony Mortgage Corporation | $1,395.00 | 6.270% | $0.00 | 5.0 | None | N/A | No | 6.750% | 1 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | [Redacted] | $623,537.64 | 63.300% | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.95 | Retail | No | No | $0.00 | $9,044.53 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30236 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $702.96 | [Redacted] | $58.58 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | First Colony Mortgage | $0.00 | 1.8 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | $56,359.51 | 19.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30107 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,528.04 | [Redacted] | $210.67 | 0.000% | 0.000% | 0.000% | 10/07/2025 | 732 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $266,649.57 | 35.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.8 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30076 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $3,070.44 | [Redacted] | $255.87 | 0.000% | 0.000% | 0.000% | 11/21/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.8 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $621,847.62 | 59.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.68 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30162 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $4,890.60 | [Redacted] | $407.55 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 814 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 3.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | 240 | [Redacted] | $97,897.83 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.55 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30358 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,404.96 | [Redacted] | $117.08 | 0.000% | 0.000% | 0.000% | 11/28/2025 | 798 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $279,493.92 | 47.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.89 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30308 | N/A | No | No | [Redacted] | [Redacted] | 6.250% | No | No | US Citizen | 1 | [Redacted] | $724.92 | [Redacted] | $60.41 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 769 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | 240 | [Redacted] | $545,367.32 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 135.02 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30072 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,471.56 | [Redacted] | $122.63 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 779 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 2.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | [Redacted] | $15,678.27 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.96 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30317 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,509.96 | [Redacted] | $125.83 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 764 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.48 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30091 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,876.84 | [Redacted] | $323.07 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 770 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | Cross Country | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $461,817.48 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.15 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30067 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $3,057.96 | [Redacted] | $254.83 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 4.2 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | [Redacted] | $61,323.27 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.11 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30256 | N/A | No | No | [Redacted] | [Redacted] | 7.875% | No | No | US Citizen | 1 | [Redacted] | $1,790.04 | [Redacted] | $149.17 | 0.000% | 0.000% | 0.000% | 12/26/2025 | 657 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 1.1 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [Redacted] | $9,332.96 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.23 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30380 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | Permanent Resident Alien | 1 | [Redacted] | $2,889.00 | [Redacted] | $240.75 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | [Redacted] | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 113.18 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30370 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,960.80 | [Redacted] | $163.40 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.97 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30106 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 3 | [Redacted] | $2,798.04 | [Redacted] | $233.17 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | [Redacted] | $179,722.42 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.32 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30340 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,486.20 | [Redacted] | $123.85 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 682 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.28 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30295 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,139.04 | [Redacted] | $94.92 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | [Redacted] | $540,418.55 | 61.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.83 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30374 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $5,976.96 | [Redacted] | $498.08 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 782 | 773 | 808 | 785 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $351,083.20 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 226.83 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30215 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,182.48 | [Redacted] | $98.54 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [Redacted] | $116,695.88 | 30.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.94 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30337 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,367.96 | [Redacted] | $197.33 | 0.000% | 0.000% | 0.000% | 11/20/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 4.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | $797,301.50 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 163.49 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30330 | N/A | No | No | [Redacted] | [Redacted] | 8.000% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,566.96 | [Redacted] | $130.58 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 717 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.5 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | [Redacted] | $4,131,180.59 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2273.04 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30383 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,946.16 | [Redacted] | $162.18 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | $121,610.32 | 41.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.87 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30058 | N/A | No | Yes | $0.00 | 6.856% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,637.29 | 1 | [Redacted] | $1,741.68 | [Redacted] | $145.14 | 36.924% | 36.924% | 36.924% | 12/29/2025 | 666 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | 6.250% | $0.00 | 2.7 | DU | ApproveEligible | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | $46,831.74 | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17 | Retail | No | No | $0.00 | $7,366.93 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30140 | N/A | No | Yes | $0.00 | 6.614% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,768.69 | 1 | [Redacted] | $592.08 | [Redacted] | $49.34 | 36.643% | 36.643% | 36.643% | 01/06/2026 | 805 | No | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | 6.250% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | $748,034.96 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 479.52 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30305 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,530.00 | [Redacted] | $127.50 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | [Redacted] | $425,026.26 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 230.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30109 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,587.00 | [Redacted] | $132.25 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $242,318.68 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 87.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30074 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,091.16 | [Redacted] | $90.93 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30008 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $387.00 | [Redacted] | $32.25 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 828 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30147 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $5,445.36 | [Redacted] | $453.78 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.34 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30061 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,365.96 | [Redacted] | $113.83 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [Redacted] | $413,612.12 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 249.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30016 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $830.04 | [Redacted] | $69.17 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.3 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30397 | Safe Harbor QM (APOR) | Yes | No | $1,149.00 | $2,512.48 | 7.379% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $4,519.93 | 1 | [Redacted] | $1,082.04 | [Redacted] | $90.17 | 31.949% | 31.949% | 31.949% | 01/12/2026 | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,149.00 | 6.170% | $0.00 | 1.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $94,521.44 | 48.470% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.43 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30153 | Safe Harbor QM (APOR) | Yes | No | $0.00 | $4,574.21 | 6.567% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $6,069.71 | 1 | [Redacted] | $2,343.00 | [Redacted] | $195.25 | 40.395% | 40.395% | 40.395% | 01/13/2026 | 747 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | The Loan Store | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.97 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.15 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30050 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,518.00 | [Redacted] | $126.50 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | [Redacted] | $273,938.27 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 140.42 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30042 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,365.96 | [Redacted] | $113.83 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | $413,612.12 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 248.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30154 | Non QM | Yes | No | $2,540.00 | $7,315.38 | 6.931% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $31,137.40 | 1 | [Redacted] | $1,575.96 | [Redacted] | $131.33 | 41.696% | 41.696% | 41.696% | 12/29/2025 | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $2,540.00 | 6.170% | $157,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redacted] | $259,732.68 | 27.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.67 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30020 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,211.04 | [Redacted] | $100.92 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 723 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30086 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,233.00 | [Redacted] | $102.75 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | [Redacted] | $315,109.97 | 63.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30453 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $3,156.12 | [Redacted] | $263.01 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 812 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $95,830.45 | 32.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30131 | Higher Priced QM (APOR) | Yes | No | $17,050.00 | $19,310.51 | 7.928% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $13,073.85 | 2 | [Redacted] | $2,553.00 | [Redacted] | $212.75 | 31.158% | 31.158% | 31.158% | 01/21/2026 | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $17,050.00 | 6.060% | $0.00 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $68,043.08 | 8.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30458 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $1,458.60 | [Redacted] | $121.55 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | 240 | [Redacted] | $42,257.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.79 | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30135 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $577.32 | [Redacted] | $48.11 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $250,287.50 | 76.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 82.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30002 | Safe Harbor QM (APOR) | Yes | No | $11,190.88 | $7,269.17 | 6.391% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,557.32 | 1 | [Redacted] | $1,883.52 | [Redacted] | $156.96 | 33.027% | 33.027% | 33.027% | 01/12/2026 | 809 | No | Yes | 24 | Personal | 60.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | The Loan Store | $11,190.88 | 6.130% | $10,605.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $225,599.57 | 41.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35 | No | $828.03 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30043 | Safe Harbor QM (APOR) | Yes | No | $17,295.00 | $10,533.88 | 6.953% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | US Citizen | $21,820.61 | 1 | [Redacted] | $6,435.72 | [Redacted] | $536.31 | 32.643% | 32.643% | 32.643% | 01/15/2026 | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $17,295.00 | 6.100% | $14,569.75 | 1.4 | None | Yes | No | 6.875% | 3 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | $332,810.92 | 25.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30365 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | [Redacted] | $1,731.00 | [Redacted] | $144.25 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 687 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | $25,804.76 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 15.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30298 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,023.00 | [Redacted] | $85.25 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 781 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | [Redacted] | $219,182.83 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30443 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $576.96 | [Redacted] | $48.08 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 682 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | 240 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.03 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30087 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,131.00 | [Redacted] | $94.25 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | [Redacted] | $175,541.76 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30423 | Non QM | Yes | No | $14,981.10 | $17,744.97 | 7.009% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $17,955.76 | 1 | [Redacted] | $2,944.56 | [Redacted] | $245.38 | 30.870% | 30.870% | 30.870% | 01/12/2026 | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $14,981.10 | 6.060% | $0.00 | 2.9 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $615.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.43 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30133 | Safe Harbor QM (APOR) | Yes | No | $26,951.99 | $12,309.59 | 7.306% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $16,671.53 | 1 | [Redacted] | $3,005.04 | [Redacted] | $250.42 | 43.063% | 43.063% | 43.063% | 01/21/2026 | 801 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Yes | The Loan Store | $26,951.99 | 6.060% | $17,000.00 | 1.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $386,842.26 | 21.130% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30353 | Non QM | Yes | No | $7,428.00 | $9,356.85 | 7.144% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $11,616.12 | 1 | [Redacted] | $1,844.04 | [Redacted] | $153.67 | 19.377% | 19.377% | 19.377% | 01/14/2026 | 739 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $7,428.00 | 6.060% | $0.00 | 1.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $170,707.15 | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30128 | Non QM | Yes | No | $16,395.00 | $6,700.69 | 6.665% | [Redacted] | [Redacted] | 6.625% | No | Yes | Not Employed | Self-Employed | Self-Employed | 20.82 | US Citizen | US Citizen | US Citizen | $95,303.95 | 1 | [Redacted] | $2,181.24 | [Redacted] | $181.77 | 25.827% | 25.827% | 25.827% | 01/13/2026 | 785 | 812 | 808 | 801 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $16,395.00 | 6.140% | $0.00 | 4.5 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $311,483.58 | 23.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 486.71 | Yes | No | $128,487.84 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30466 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 2 | [Redacted] | $3,072.12 | [Redacted] | $256.01 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $270,790.89 | 40.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30429 | Non QM | Yes | No | $8,615.00 | $3,428.57 | 6.906% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,216.36 | 1 | [Redacted] | $5,559.96 | [Redacted] | $463.33 | 47.846% | 47.846% | 47.846% | 12/06/2025 | 715 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,615.00 | 6.130% | $0.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redacted] | $89,142.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.98 | No | $8,920.11 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30046 | Safe Harbor QM (APOR) | Yes | No | $1,345.00 | $5,699.00 | 7.399% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,934.93 | 1 | [Redacted] | $3,347.04 | [Redacted] | $278.92 | 24.793% | 24.793% | 24.793% | 01/21/2026 | 689 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Borrower - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Borrower - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,345.00 | 6.140% | $0.00 | 1.8 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $14,357.64 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.04 | Retail | No | $30,579.80 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30134 | Safe Harbor QM (APOR) | Yes | No | $4,125.00 | $6,396.21 | 6.659% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Permanent Resident Alien | $3,372.20 | 1 | [Redacted] | $1,353.96 | [Redacted] | $112.83 | 34.299% | 34.299% | 34.299% | 12/15/2025 | 747 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | The Loan Store | $4,125.00 | 6.060% | $0.00 | 1.0 | None | No | No | 6.250% | 1 | 0 | 0 | 0 | 0 | No | Not Stated | [Redacted] | $10,601.17 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 7.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30105 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $4,292.40 | [Redacted] | $357.70 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.48 | 0.4 | [Redacted] | $90,141.15 | 46.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.58 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30036 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,010.04 | [Redacted] | $84.17 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 727 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.5 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | $258,612.06 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 160.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30018 | Non QM | Yes | No | $4,395.00 | $5,403.05 | 6.452% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | US Citizen | $4,900.46 | 1 | [Redacted] | $2,208.00 | [Redacted] | $184.00 | 41.562% | 41.562% | 41.562% | 01/20/2026 | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,395.00 | 6.140% | $6,500.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $98,771.65 | 33.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.89 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30092 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 3 | [Redacted] | $1,721.04 | [Redacted] | $143.42 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.29 | 0.44 | [Redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30009 | Safe Harbor QM (APOR) | Yes | No | $18,563.00 | $24,366.32 | 6.989% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $39,750.83 | 1 | [Redacted] | $7,995.00 | [Redacted] | $666.25 | 32.888% | 32.888% | 32.888% | 01/12/2026 | 708 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $18,563.00 | 6.100% | $118,000.00 | 1.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $769,807.92 | 36.720% | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.05 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30001 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $2,659.44 | [Redacted] | $221.62 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 776 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | [Redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30019 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,853.04 | [Redacted] | $154.42 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 791 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30032 | Non QM | Yes | No | $28,835.00 | $6,386.14 | 6.913% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Armenia | $21,792.62 | 1 | [Redacted] | $5,304.96 | [Redacted] | $442.08 | 38.626% | 38.626% | 38.626% | 02/01/2026 | 731 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | The Loan Store | $28,835.00 | 6.100% | $15,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | $195,027.51 | 11.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 9.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30181 | Safe Harbor QM (APOR) | Yes | No | $4,875.00 | $8,984.63 | 7.676% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $26,975.29 | 1 | [Redacted] | $2,412.00 | [Redacted] | $201.00 | 36.842% | 36.842% | 36.842% | 12/01/2025 | 699 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $4,875.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | Not Stated | [Redacted] | $34,612.75 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30033 | Safe Harbor QM (APOR) | Yes | No | $6,759.65 | $1,407.12 | 7.302% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $55,222.01 | 1 | [Redacted] | $4,352.04 | [Redacted] | $362.67 | 8.501% | 8.501% | 8.501% | 01/27/2026 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,759.65 | 6.140% | $0.00 | 2.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $922,335.76 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 342.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30433 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,388.40 | [Redacted] | $115.70 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | $191,121.87 | 52.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 34.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30436 | Safe Harbor QM (APOR) | Yes | No | $10,048.74 | $2,362.66 | 6.545% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $96,796.81 | 1 | [Redacted] | $1,599.96 | [Redacted] | $133.33 | 19.134% | 19.134% | 19.134% | 01/21/2026 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $10,048.74 | 6.140% | $0.00 | 1.9 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $440,873.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.58 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30013 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,007.04 | [Redacted] | $83.92 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 755 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redacted] | $86,524.99 | 16.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30512 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,019.96 | [Redacted] | $168.33 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 687 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.7 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30437 | Non QM | Yes | No | $4,832.50 | $5,270.38 | 6.936% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $12,166.91 | 1 | [Redacted] | $2,238.00 | [Redacted] | $186.50 | 23.493% | 23.493% | 23.493% | 12/08/2025 | 784 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | The Loan Store | $4,832.50 | 6.140% | $0.00 | 1.9 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30005 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,572.96 | [Redacted] | $131.08 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | $370,169.30 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 139.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30179 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $5,118.00 | [Redacted] | $426.50 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 718 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.33 | 0.43 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30419 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | Not Employed | US Citizen | 1 | [Redacted] | $903.96 | [Redacted] | $75.33 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $1,077,561.67 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 274 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30435 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,636.56 | [Redacted] | $136.38 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | [Redacted] | $51,500.00 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30376 | Non QM | Yes | No | $2,132.66 | $3,883.68 | 7.926% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | US Citizen | $9,347.93 | 1 | [Redacted] | $5,940.00 | [Redacted] | $495.00 | 48.720% | 48.720% | 48.720% | 11/05/2025 | 728 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $2,132.66 | 6.190% | $0.00 | 2.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $46,176.94 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.96 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30371 | Safe Harbor QM (APOR) | Yes | No | $1,875.00 | $0.00 | 7.094% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,372.24 | 2 | [Redacted] | $5,606.40 | [Redacted] | $467.20 | 29.986% | 29.986% | 29.986% | 12/18/2025 | 786 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $1,875.00 | 6.220% | $26,500.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $849,429.72 | 83.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 68.36 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30364 | Safe Harbor QM (APOR) | Yes | No | $3,660.08 | $6,246.09 | 6.864% | [Redacted] | [Redacted] | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $18,249.57 | 1 | [Redacted] | $679.44 | [Redacted] | $56.62 | 15.280% | 15.280% | 15.280% | 12/22/2025 | 797 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $3,660.08 | 6.180% | $5,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $139,720.50 | 49.020% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.06 | Retail | No | No | $0.00 | $21,541.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30321 | Non QM | Yes | No | $18,363.00 | $19,815.73 | 7.732% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $4,682.73 | 1 | [Redacted] | $3,280.56 | [Redacted] | $273.38 | 49.141% | 41.052% | 49.141% | 10/17/2025 | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $18,363.00 | 6.260% | $0.00 | 2.6 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | $38,962.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.46 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30113 | Safe Harbor QM (APOR) | Yes | No | $1,815.00 | $3,681.23 | 7.524% | [Redacted] | [Redacted] | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $43,524.58 | 1 | [Redacted] | $3,501.12 | [Redacted] | $291.76 | 26.040% | 26.040% | 26.040% | 12/22/2025 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $1,815.00 | 6.270% | $0.00 | 3.2 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $116,291.72 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.58 | Retail | No | $58,849.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30392 | Non QM | Yes | No | $3,458.50 | $4,817.77 | 9.129% | [Redacted] | [Redacted] | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $4,959.14 | 1 | [Redacted] | $1,931.64 | [Redacted] | $160.97 | 35.722% | 35.722% | 35.722% | 11/19/2025 | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,458.50 | 6.180% | $2,500.00 | 1.2 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $29,511.99 | 13.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.54 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30386 | Safe Harbor QM (APOR) | Yes | No | $1,850.00 | $3,855.39 | 7.673% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,370.17 | 1 | [Redacted] | $3,005.04 | [Redacted] | $250.42 | 42.275% | 42.275% | 42.275% | 12/22/2025 | 714 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | Arc | $1,850.00 | 6.250% | $0.00 | 4.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | Not Stated | [Redacted] | $37,197.57 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.07 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30065 | Safe Harbor QM (APOR) | Yes | No | $15,640.00 | $18,074.42 | 6.596% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $31,853.64 | 1 | [Redacted] | $1,356.00 | [Redacted] | $113.00 | 31.107% | 31.107% | 31.107% | 12/29/2025 | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | $15,640.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $158,945.89 | 14.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.98 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30325 | Non QM | Yes | No | $13,389.00 | $14,699.48 | 6.890% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $37,859.86 | 1 | [Redacted] | $1,552.44 | [Redacted] | $129.37 | 27.659% | 27.659% | 27.659% | 12/26/2025 | 779 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $13,389.00 | 6.060% | $0.00 | 2.3 | None | N/A | No | 6.750% | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 73.96 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30155 | Safe Harbor QM (APOR) | Yes | No | $1,845.00 | $7,092.68 | 6.790% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,431.42 | 1 | [Redacted] | $5,661.96 | [Redacted] | $471.83 | 43.347% | 43.347% | 43.347% | 12/22/2025 | 787 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Arc | $1,845.00 | 6.170% | $0.00 | 4.7 | DU | ApproveEligible | N/A | No | 6.750% | 1 | 2 | 1 | 0 | 3 | 1 | No | Not Stated | [Redacted] | $329,862.79 | No | 36 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.67 | Retail | No | No | $0.00 | $9,615.58 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30115 | Non QM | Yes | No | $4,530.59 | $7,206.19 | 7.736% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | US Citizen | $22,862.17 | 1 | [Redacted] | $4,319.52 | [Redacted] | $359.96 | 23.937% | 23.937% | 23.937% | 11/06/2025 | 691 | No | Yes | 12 | Business | 100.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | New American Funding | $4,530.59 | 6.220% | $0.00 | 2.6 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.25 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30034 | Safe Harbor QM (APOR) | Yes | Yes | $7,765.00 | $4,484.56 | 6.721% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | US Citizen | $5,607.76 | 1 | [Redacted] | $2,520.00 | [Redacted] | $210.00 | 45.286% | 45.286% | 45.286% | 12/30/2025 | 756 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $7,765.00 | 6.250% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $110,751.31 | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.33 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30368 | N/A | No | No | $0.00 | 8.096% | [Redacted] | [Redacted] | 8.125% | No | No | Not Employed | Self-Employed | US Citizen | $183,396.04 | 1 | [Redacted] | $618.96 | [Redacted] | $51.58 | 20.537% | 20.537% | 20.537% | 12/11/2025 | 772 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | 6.250% | $0.00 | 1.0 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22 | Retail | No | No | $230,794.04 | $0.00 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30395 | N/A | No | No | $0.00 | 9.206% | [Redacted] | [Redacted] | 9.250% | No | No | Self-Employed | US Citizen | $149,384.69 | 1 | [Redacted] | $408.60 | [Redacted] | $34.05 | 14.844% | 14.513% | 14.844% | 10/22/2025 | 777 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | 6.190% | $0.00 | 1.1 | None | N/A | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | $60,489.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.67 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30161 | N/A | No | No | $0.00 | 9.363% | [Redacted] | [Redacted] | 9.375% | No | No | Self-Employed | US Citizen | $84,298.06 | 1 | [Redacted] | $446.40 | [Redacted] | $37.20 | 34.497% | 34.497% | 34.497% | 10/27/2025 | 715 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Guaranteed Rate | 6.190% | $0.00 | 1.4 | None | N/A | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | $101,816.96 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.7 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30367 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $912.00 | [Redacted] | $76.00 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.2 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | [Redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.39 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30357 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,714.88 | [Redacted] | $226.24 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | ARCHome | $0.00 | 1.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | [Redacted] | $356,942.18 | 61.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 56.52 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30328 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,539.76 | [Redacted] | $294.98 | 0.000% | 0.000% | 0.000% | 11/06/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redacted] | Yes | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.29 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30343 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $5,357.04 | [Redacted] | $446.42 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | 3.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.47 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30352 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,496.52 | [Redacted] | $124.71 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | [Redacted] | $175,245.88 | 32.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.59 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30377 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,451.00 | [Redacted] | $204.25 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 672 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 3.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redacted] | $174,172.43 | 49.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.2 | Retail | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30166 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 4 | [Redacted] | $5,429.04 | [Redacted] | $452.42 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 676 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redacted] | $588,384.73 | 59.730% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 48.13 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30012 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,266.96 | [Redacted] | $105.58 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | [Redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30426 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $2,282.04 | [Redacted] | $190.17 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | [Redacted] | $160,461.23 | 46.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 24.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30006 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $3,549.96 | [Redacted] | $295.83 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $69,691.90 | 7.110% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30299 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $986.04 | [Redacted] | $82.17 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redacted] | $191,158.60 | 63.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30017 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,170.96 | [Redacted] | $97.58 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | $64,095.26 | 42.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30281 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $1,756.44 | [Redacted] | $146.37 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.4 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.3 | 0.3 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30127 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $366.00 | [Redacted] | $30.50 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 771 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [Redacted] | $102,211.52 | 37.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30099 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $8,291.76 | [Redacted] | $690.98 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | 240 | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30306 | N/A | No | No | [Redacted] | [Redacted] | 8.375% | No | No | US Citizen | 2 | [Redacted] | $3,542.04 | [Redacted] | $295.17 | 0.000% | 0.000% | 0.000% | 10/06/2025 | 663 | No | No | DSCR | 0 | 0 | 0 | No | Guaranteed Rate | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | $240,336.36 | 34.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.07 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30176 | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,412.66 | 7.529% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | US Citizen | $42,537.83 | 1 | [Redacted] | $1,968.84 | [Redacted] | $164.07 | 36.699% | 36.699% | 36.699% | 12/12/2025 | 718 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $1,495.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $177,289.74 | 18.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.13 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30122 | Non QM | Yes | No | $1,640.00 | $4,768.39 | 8.306% | [Redacted] | [Redacted] | 8.250% | No | No | Non-Employment Income | US Citizen | $8,485.93 | 1 | [Redacted] | $1,533.96 | [Redacted] | $127.83 | 43.110% | 43.110% | 43.110% | 12/11/2025 | 690 | No | No | [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Other - 2026 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Annuity]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Guaranteed Rate | $1,640.00 | 6.250% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | $30,437.62 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.18 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30082 | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $8,030.40 | 7.427% | [Redacted] | [Redacted] | 7.125% | No | No | Not Employed | Employed | US Citizen | $64,998.13 | 1 | [Redacted] | $17,666.16 | [Redacted] | $1,472.18 | 24.274% | 23.506% | 24.274% | 12/02/2025 | 681 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Cross Country | $1,390.00 | 6.120% | $0.00 | 4.4 | None | N/A | No | 7.747% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $1,388,702.03 | No | 35 | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.44 | Retail | No | No | $0.00 | $85,833.33 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30100 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,566.96 | [Redacted] | $130.58 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | $814,936.69 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 204.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30117 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,474.32 | [Redacted] | $122.86 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 762 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | $581,877.35 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 321.23 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30129 | Safe Harbor QM (APOR) | Yes | No | $9,745.00 | $10,320.17 | 6.922% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $22,301.12 | 1 | [Redacted] | $1,430.04 | [Redacted] | $119.17 | 14.823% | 14.823% | 14.823% | 12/27/2025 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $9,745.00 | 6.140% | $136.00 | 1.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $2,500.00 | 0.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30104 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $1,575.00 | [Redacted] | $131.25 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 664 | 664 | 668 | 641 | Level 4-Stated/Verified as defined | No | No | Other Documentation (O) | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 137.11 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30282 | N/A | No | No | [Redacted] | [Redacted] | 7.500% | No | No | US Citizen | 1 | [Redacted] | $735.96 | [Redacted] | $61.33 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | Yes | The Loan Store | $0.00 | 1.8 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | [Redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 129.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30440 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $4,316.04 | [Redacted] | $359.67 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 713 | No | No | DSCR | 1 | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | [Redacted] | $2,528.27 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.72 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30146 | Higher Priced QM (APOR) | Yes | No | $8,972.00 | $2,255.60 | 7.941% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | US Citizen | $9,477.57 | 1 | [Redacted] | $1,070.28 | [Redacted] | $89.19 | 49.794% | 49.794% | 49.794% | 01/28/2026 | 711 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $8,972.00 | 6.100% | $0.00 | 2.3 | None | No | No | 7.875% | 3 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | $1,762,220.55 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 424.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30031 | Safe Harbor QM (APOR) | Yes | No | $8,800.00 | $11,769.67 | 6.978% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $9,482.47 | 1 | [Redacted] | $5,646.96 | [Redacted] | $470.58 | 40.507% | 40.507% | 40.507% | 01/19/2026 | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,800.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30300 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 2 | [Redacted] | $1,431.96 | [Redacted] | $119.33 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | [Redacted] | $139,315.09 | 55.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30145 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 4 | [Redacted] | $5,011.44 | [Redacted] | $417.62 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $30,438.59 | 3.040% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.09 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30148 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,461.96 | [Redacted] | $121.83 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 772 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30464 | N/A | No | No | $6,345.00 | $2,302.67 | 7.990% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | US Citizen | $4,392.80 | 1 | [Redacted] | $1,063.56 | [Redacted] | $88.63 | 46.364% | 46.364% | 46.364% | 02/23/2026 | 660 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $6,345.00 | 6.180% | $0.00 | 1.0 | None | No | No | 7.875% | 2 | 1 | 0 | 0 | 2 | 0.00 | No | Not Stated | [Redacted] | $3,502.06 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.08 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30416 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | Not Employed | US Citizen | 1 | [Redacted] | $1,201.56 | [Redacted] | $100.13 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | [Redacted] | $408,362.17 | 90.740% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30010 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,996.68 | [Redacted] | $166.39 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 693 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | $188,091.64 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30491 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $420.00 | [Redacted] | $35.00 | 0.000% | 0.000% | 0.000% | 12/31/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.1 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30035 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,488.96 | [Redacted] | $124.08 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 736 | No | No | Other Documentation (O) | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | [Redacted] | $189,936.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30024 | Safe Harbor QM (APOR) | Yes | No | $8,583.75 | $12,046.62 | 6.705% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $13,728.72 | 1 | [Redacted] | $3,615.48 | [Redacted] | $301.29 | 33.218% | 33.218% | 33.218% | 01/15/2026 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,583.75 | 6.130% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30427 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,920.96 | [Redacted] | $160.08 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.03 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30011 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $2,301.00 | [Redacted] | $191.75 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 693 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.7 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | $188,091.64 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.62 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30150 | N/A | No | No | [Redacted] | [Redacted] | 7.875% | No | No | US Citizen | 1 | [Redacted] | $3,618.72 | [Redacted] | $301.56 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | 240 | [Redacted] | $79,980.62 | 20.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.77 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30479 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,737.00 | [Redacted] | $144.75 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 767 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | 240 | [Redacted] | $40,366.55 | 6.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30382 | Safe Harbor QM (APOR) | Yes | No | $11,990.70 | $19,189.17 | 6.664% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $12,387.85 | 1 | [Redacted] | $915.00 | [Redacted] | $76.25 | 38.429% | 38.429% | 38.429% | 01/16/2026 | 769 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $11,990.70 | 6.130% | $0.00 | 3.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | Not Stated | [Redacted] | $192,404.99 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30022 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $4,043.64 | [Redacted] | $336.97 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | 240 | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30497 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $498.00 | [Redacted] | $41.50 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.2 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 61.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30422 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $1,511.04 | [Redacted] | $125.92 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.2 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30424 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 2 | [Redacted] | $2,115.96 | [Redacted] | $176.33 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | [Redacted] | $41,502.48 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30003 | Non QM | Yes | No | $2,895.00 | $56,717.01 | 7.002% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $39,872.26 | 1 | [Redacted] | $8,287.92 | [Redacted] | $690.66 | 48.558% | 45.307% | 48.558% | 11/10/2025 | 717 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Arc | $2,895.00 | 6.250% | $0.00 | 2.1 | None | N/A | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 12.00 | No | 360 | [Redacted] | $3,615,662.56 | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 168.1 | Retail | No | No | $0.00 | $19,597.91 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30470 | Safe Harbor QM (APOR) | Yes | No | $2,540.00 | $10,615.90 | 7.028% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $49,177.56 | 1 | [Redacted] | $4,407.96 | [Redacted] | $367.33 | 28.553% | 28.553% | 28.553% | 01/23/2026 | 741 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $2,540.00 | 6.140% | $0.00 | 2.6 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $69,688.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30421 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,682.16 | [Redacted] | $140.18 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 692 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30389 | N/A | No | No | [Redacted] | [Redacted] | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,534.08 | [Redacted] | $127.84 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 709 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 3.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30418 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,465.04 | [Redacted] | $205.42 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30341 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $8,082.24 | [Redacted] | $673.52 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.9 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | $301,440.50 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30467 | Non QM | Yes | No | $15,000.00 | $3,901.75 | 7.012% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $34,374.69 | 1 | [Redacted] | $3,981.00 | [Redacted] | $331.75 | 20.394% | 20.394% | 20.394% | 01/08/2026 | 704 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2010 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | The Loan Store | $15,000.00 | 6.140% | $0.00 | 3.5 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | $47,240.66 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30366 | N/A | No | No | [Redacted] | [Redacted] | 5.750% | No | No | US Citizen | 1 | [Redacted] | $593.40 | [Redacted] | $49.45 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redacted] | $117,145.99 | 38.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.85 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30373 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,152.72 | [Redacted] | $96.06 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 773 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 5.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 349.34 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30320 | Safe Harbor QM (APOR) | Yes | No | $3,793.25 | $5,968.63 | 6.954% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,862.72 | 1 | [Redacted] | $4,062.00 | [Redacted] | $338.50 | 44.045% | 44.045% | 44.045% | 11/25/2025 | 765 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Arc | $3,793.25 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.33 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30350 | Safe Harbor QM (APOR) | Yes | No | $6,997.75 | $9,387.69 | 6.898% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,183.24 | 1 | [Redacted] | $2,691.00 | [Redacted] | $224.25 | 10.273% | 10.273% | 10.273% | 12/30/2025 | 797 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,997.75 | 6.730% | $0.00 | 3.2 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.93 | No | $11,804.24 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30499 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,947.96 | [Redacted] | $162.33 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | [Redacted] | $117,229.91 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30004 | Non QM | Yes | No | $1,745.00 | $6,274.73 | 6.427% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $12,879.71 | 1 | [Redacted] | $3,494.04 | [Redacted] | $291.17 | 39.734% | 39.734% | 39.734% | 01/20/2026 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,745.00 | 6.100% | $105,000.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $184,711.64 | 14.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30452 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 4 | [Redacted] | $3,457.92 | [Redacted] | $288.16 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | [Redacted] | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 246.12 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30007 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,551.96 | [Redacted] | $129.33 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30338 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,830.00 | [Redacted] | $152.50 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | $10,000.00 | 6.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30387 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $7,998.00 | [Redacted] | $666.50 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | [Redacted] | $969,565.81 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 210.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30448 | Non QM | Yes | No | $17,885.00 | $4,753.38 | 7.915% | [Redacted] | [Redacted] | 7.875% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $10,590.16 | 1 | [Redacted] | $4,687.32 | [Redacted] | $390.61 | 37.218% | 37.218% | 37.218% | 01/13/2026 | 660 | No | Yes | 12 | Personal | 62.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $17,885.00 | 5.990% | $2,000.00 | 1.0 | None | Yes | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 1 | 12 | 0.00 | No | [Redacted] | $225,308.97 | 30.240% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.56 | No | $0.00 | $6,467.62 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30351 | Non QM | Yes | No | $6,124.53 | $7,633.34 | 6.584% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | US Citizen | $4,906.80 | 1 | [Redacted] | $3,665.04 | [Redacted] | $305.42 | 43.594% | 43.594% | 43.594% | 12/22/2025 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,124.53 | 6.130% | $0.00 | 3.4 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30451 | Safe Harbor QM (APOR) | Yes | No | $0.00 | $4,134.14 | 7.003% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $103,336.01 | 1 | [Redacted] | $9,332.76 | [Redacted] | $777.73 | 14.833% | 14.833% | 14.833% | 01/20/2026 | 690 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | 5.980% | $0.00 | 2.1 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30402 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $423.00 | [Redacted] | $35.25 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30455 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $3,221.64 | [Redacted] | $268.47 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redacted] | $36,102.79 | 7.410% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30454 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $3,029.64 | [Redacted] | $252.47 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.5 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | $50,265.89 | 11.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.25 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30528 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,388.76 | [Redacted] | $115.73 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 696 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | $1,559.04 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30332 | Safe Harbor QM (APOR) | Yes | Yes | $12,575.00 | $14,882.81 | 5.910% | [Redacted] | [Redacted] | 5.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $33,995.97 | 1 | [Redacted] | $2,084.04 | [Redacted] | $173.67 | 41.619% | 41.619% | 41.619% | 03/02/2026 | 811 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $12,575.00 | 5.980% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 5.625% | 0 | 0 | 1 | 0 | 3 | 0 | No | Not Stated | [Redacted] | $201,935.06 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.42 | No | No | $2,136.08 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30442 | Safe Harbor QM (APOR) | Yes | No | $8,035.00 | $2,869.58 | 7.057% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | US Citizen | $6,741.83 | 1 | [Redacted] | $2,315.16 | [Redacted] | $192.93 | 34.833% | 34.833% | 34.833% | 02/04/2026 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $8,035.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $8,919.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.53 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30489 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $648.96 | [Redacted] | $54.08 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30457 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 3 | [Redacted] | $5,244.00 | [Redacted] | $437.00 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | $2,660,998.60 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 756.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30456 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 3 | [Redacted] | $5,244.00 | [Redacted] | $437.00 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | [Redacted] | $2,660,998.60 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 761.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30335 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $360.00 | [Redacted] | $30.00 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 714 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 102.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30417 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | Permanent Resident Alien | 1 | [Redacted] | $2,509.56 | [Redacted] | $209.13 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.6 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | [Redacted] | $250,000.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 68.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30441 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,082.04 | [Redacted] | $90.17 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.08 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30461 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,156.68 | [Redacted] | $96.39 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redacted] | $145,616.09 | 97.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 104.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30445 | N/A | No | No | [Redacted] | [Redacted] | 7.000% | No | No | US Citizen | 1 | [Redacted] | $2,835.36 | [Redacted] | $236.28 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.2 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 125.8 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30428 | Safe Harbor QM (APOR) | Yes | No | $22,095.00 | $24,682.17 | 6.786% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $26,222.78 | 1 | [Redacted] | $2,811.12 | [Redacted] | $234.26 | 41.538% | 41.538% | 41.538% | 02/05/2026 | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $22,095.00 | 6.130% | $0.00 | 3.1 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $10,217.15 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30439 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,913.76 | [Redacted] | $159.48 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | $121,046.55 | 37.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30398 | Safe Harbor QM (APOR) | Yes | No | $26,245.00 | $0.00 | 6.484% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | $12,421.38 | 1 | [Redacted] | $1,538.04 | [Redacted] | $128.17 | 53.487% | 53.487% | 53.487% | 02/23/2026 | 797 | 794 | 804 | 797 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full | 0 | 0 | 0 | The Loan Store | $26,245.00 | 5.980% | $26,555.00 | 2.6 | None | N/A | No | 6.500% | 0 | 0 | 1 | 0 | 0 | 2 | 0.00 | No | 60 | Not Stated | [Redacted] | $1,652,190.81 | 78.670% | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.66 | No | No | $26,705.21 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30369 | Safe Harbor QM (APOR) | Yes | Yes | $8,818.44 | $2,530.89 | 6.928% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | US Citizen | $3,873.12 | 1 | [Redacted] | $1,503.60 | [Redacted] | $125.30 | 42.482% | 42.482% | 42.482% | 02/18/2026 | 750 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $8,818.44 | 5.990% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $2,770.90 | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30388 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $4,665.00 | [Redacted] | $388.75 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 777 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | [Redacted] | $18,796.87 | 6.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30446 | Safe Harbor QM (APOR) | Yes | No | $12,105.00 | $14,501.10 | 6.777% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $8,194.44 | 1 | [Redacted] | $4,376.16 | [Redacted] | $364.68 | 36.372% | 36.372% | 36.372% | 02/13/2026 | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $12,105.00 | 6.100% | $0.00 | 2.5 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $56,947.56 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.34 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30460 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,797.00 | [Redacted] | $149.75 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30450 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,089.60 | [Redacted] | $90.80 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.9 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 66.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30459 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,739.04 | [Redacted] | $144.92 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30486 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $889.56 | [Redacted] | $74.13 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30407 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,310.40 | [Redacted] | $109.20 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.5 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | [Redacted] | $276,355.07 | 53.140% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30449 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,970.52 | [Redacted] | $164.21 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.07 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30438 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,814.04 | [Redacted] | $151.17 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 240 | [Redacted] | $4,200.00 | 1.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.4 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30399 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,254.00 | [Redacted] | $104.50 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | $319,778.05 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 115.55 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30349 | Non QM | Yes | No | $5,448.00 | $7,337.45 | 6.484% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | US Citizen | $5,609.80 | 1 | [Redacted] | $3,827.76 | [Redacted] | $318.98 | 50.135% | 50.135% | 50.135% | 02/19/2026 | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $5,448.00 | 5.990% | $0.00 | 2.6 | None | N/A | No | 6.375% | 1 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30331 | Safe Harbor QM (APOR) | Yes | No | $20,195.00 | $3,112.31 | 6.911% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $61,435.69 | 1 | [Redacted] | $2,500.44 | [Redacted] | $208.37 | 11.140% | 11.140% | 11.140% | 02/21/2026 | 733 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $20,195.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $50,000.00 | 5.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30447 | Safe Harbor QM (APOR) | Yes | No | $2,345.00 | $0.00 | 6.862% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $5,622.54 | 1 | [Redacted] | $1,785.96 | [Redacted] | $148.83 | 44.056% | 44.056% | 44.056% | 03/19/2026 | 753 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | The Loan Store | $2,345.00 | 5.990% | $11,600.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 2.60 | No | Not Stated | [Redacted] | $164,500.38 | 36.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30465 | Safe Harbor QM (APOR) | Yes | No | $39,895.00 | $4,368.69 | 6.885% | [Redacted] | [Redacted] | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $104,342.09 | 1 | [Redacted] | $3,458.40 | [Redacted] | $288.20 | 17.280% | 17.280% | 17.280% | 02/10/2026 | 771 | No | Yes | 12 | Business | 100.000% | 80.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $39,895.00 | 5.980% | $0.00 | 5.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $170,519.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.3 | No | No | $126,138.97 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30463 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $2,559.96 | [Redacted] | $213.33 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | $179,783.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30425 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $2,247.00 | [Redacted] | $187.25 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 5.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $115,772.69 | 26.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 40.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30444 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,015.04 | [Redacted] | $167.92 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | $21,766.16 | 6.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30473 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $3,501.00 | [Redacted] | $291.75 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | [Redacted] | $1,171,035.72 | 100.000% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 214.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30484 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,275.24 | [Redacted] | $106.27 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30472 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,190.64 | [Redacted] | $99.22 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 671 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redacted] | $40,187.96 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.83 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30474 | Safe Harbor QM (APOR) | Yes | No | $12,211.06 | $10,144.51 | 6.902% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $44,924.01 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 34.709% | 34.709% | 34.709% | 02/12/2026 | 777 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Vesting Schedule - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | The Loan Store | $12,211.06 | 6.020% | $3,582.00 | 3.0 | None | No | No | 6.875% | 2 | 2 | 2 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | $887,315.20 | 52.970% | No | 49 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.27 | Yes | No | $0.00 | $58,311.28 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30488 | Safe Harbor QM (APOR) | Yes | No | $4,399.97 | $7,608.36 | 6.830% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | US Citizen | $3,908.37 | 1 | [Redacted] | $614.04 | [Redacted] | $51.17 | 45.980% | 45.980% | 45.980% | 01/27/2026 | 688 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,399.97 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30468 | Safe Harbor QM (APOR) | Yes | No | $2,225.00 | $7,874.28 | 6.916% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $13,463.80 | 1 | [Redacted] | $2,165.28 | [Redacted] | $180.44 | 40.221% | 40.221% | 40.221% | 01/15/2026 | 800 | Yes | Yes | 24 | Business | 61.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $2,225.00 | 5.980% | $0.00 | 3.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 60 | Not Stated | [Redacted] | $964,882.57 | 68.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 73.05 | Retail | Yes | No | $8,854.47 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30356 | N/A | No | No | [Redacted] | [Redacted] | 8.125% | No | No | US Citizen | 2 | [Redacted] | $1,002.00 | [Redacted] | $83.50 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 772 | No | No | DSCR | 0 | 0 | 0 | No | Cross Country | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [Redacted] | $24,478.66 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.13 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30375 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $585.00 | [Redacted] | $48.75 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 743 | No | No | DSCR | 0 | 0 | 0 | No | ARCHome | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.44 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30355 | Higher Priced QM (APOR) | Yes | No | $10,265.00 | $9,378.77 | 8.117% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $20,999.86 | 1 | [Redacted] | $1,611.96 | [Redacted] | $134.33 | 13.174% | 13.174% | 13.174% | 10/30/2025 | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | First Colony Mortgage Corporation | $10,265.00 | 6.190% | $10,000.00 | 1.5 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $41,859.16 | 9.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 6.02 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30385 | Non QM | Yes | No | $14,045.00 | $16,296.32 | 7.528% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $9,804.12 | 1 | [Redacted] | $2,204.04 | [Redacted] | $183.67 | 48.801% | 39.858% | 48.801% | 726 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Arc | $14,045.00 | 6.220% | $0.00 | 2.6 | None | N/A | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redacted] | $322,159.76 | 25.870% | No | 35 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.94 | Broker | No | No | $0.00 | $9,315.85 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30372 | Non QM | Yes | No | $2,880.00 | $8,094.44 | 7.269% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | US Citizen | $394,756.84 | 1 | [Redacted] | $957.96 | [Redacted] | $79.83 | 5.720% | 5.720% | 5.720% | 11/07/2025 | 804 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | Arc | $2,880.00 | 6.260% | $2,500.00 | 3.4 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | $947,161.69 | 42.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.02 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30393 | Safe Harbor QM (APOR) | Yes | No | $3,190.00 | $5,710.91 | 7.503% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,647.28 | 1 | [Redacted] | $616.44 | [Redacted] | $51.37 | 41.515% | 41.515% | 41.515% | 12/17/2025 | 772 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Cross Country | $3,190.00 | 6.220% | $0.00 | 2.2 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | $1,559,236.02 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 530.3 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30326 | Safe Harbor QM (APOR) | Yes | No | $10,815.00 | $14,156.80 | 7.405% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | US Citizen | $26,637.28 | 1 | [Redacted] | $4,610.04 | [Redacted] | $384.17 | 33.500% | 33.500% | 33.500% | 12/18/2025 | 776 | No | Yes | 12 | Business | 100.000% | 98.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Cross Country | $10,815.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.11 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30324 | Non QM | Yes | No | $16,855.00 | $20,980.08 | 7.846% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $3,833.05 | 1 | [Redacted] | $1,661.04 | [Redacted] | $138.42 | 49.731% | 49.731% | 49.731% | 01/12/2026 | 669 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Arc | $16,855.00 | 6.060% | $0.00 | 4.4 | None | N/A | No | 7.375% | 0 | 1 | 0 | 2 | 0 | 12.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.67 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30411 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $647.04 | [Redacted] | $53.92 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.4 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $89,813.02 | 33.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 9.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30471 | N/A | No | No | [Redacted] | [Redacted] | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,476.48 | [Redacted] | $123.04 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $305,470.16 | 83.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30360 | Safe Harbor QM (APOR) | Yes | No | $21,870.00 | $29,311.00 | 6.667% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | US Citizen | $26,358.32 | 1 | [Redacted] | $11,617.68 | [Redacted] | $968.14 | 36.004% | 36.004% | 36.004% | 02/05/2026 | 756 | No | No | [Borrower - | Non-Primary Income - C-Corp]; CPA Letter - 2026 [Borrower - | Non-Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Non-Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Non-Primary Income - C-Corp]; W-2 Transcript - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | The Loan Store | $21,870.00 | 6.100% | $0.00 | 3.1 | None | No | No | 6.500% | 2 | 1 | 0 | 0 | 1 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30412 | N/A | No | No | [Redacted] | [Redacted] | 6.375% | No | No | US Citizen | 1 | [Redacted] | $870.12 | [Redacted] | $72.51 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30533 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $405.00 | [Redacted] | $33.75 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | The Loan Store | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.84 | Retail | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30476 | N/A | No | No | [Redacted] | [Redacted] | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,549.68 | [Redacted] | $129.14 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redacted] | $247,066.46 | 54.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30396 | Safe Harbor QM (APOR) | Yes | No | $18,495.00 | $22,313.00 | 7.055% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | US Citizen | $19,428.06 | 1 | [Redacted] | $7,418.64 | [Redacted] | $618.22 | 41.373% | 41.373% | 41.373% | 03/04/2026 | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $18,495.00 | 5.980% | $500.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $436,953.31 | 43.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30405 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $5,704.80 | [Redacted] | $475.40 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 827 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | [Redacted] | $541,654.33 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 122.02 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30409 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $855.96 | [Redacted] | $71.33 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 806 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.1 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | [Redacted] | $705,190.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30475 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,356.56 | [Redacted] | $196.38 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30524 | Safe Harbor QM (APOR) | Yes | No | $4,350.00 | $4,932.82 | 7.209% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $32,920.47 | 1 | [Redacted] | $3,079.80 | [Redacted] | $256.65 | 16.663% | 16.663% | 16.663% | 02/10/2026 | 684 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $4,350.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $325.87 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.91 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30347 | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $8,428.83 | 7.012% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $75,617.16 | 1 | [Redacted] | $14,262.96 | [Redacted] | $1,188.58 | 29.963% | 29.963% | 29.963% | 01/23/2026 | 731 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $1,990.00 | 6.100% | $0.00 | 5.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | $691,622.48 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.81 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30354 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 4 | [Redacted] | $6,338.88 | [Redacted] | $528.24 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | $84,823.94 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.52 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30404 | Non QM | Yes | No | $6,895.00 | $3,878.50 | 7.034% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | US Citizen | $8,041.60 | 1 | [Redacted] | $5,382.00 | [Redacted] | $448.50 | 41.925% | 41.925% | 41.925% | 03/31/2026 | 664 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,895.00 | 6.130% | $0.00 | 1.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30410 | N/A | No | No | [Redacted] | [Redacted] | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $884.04 | [Redacted] | $73.67 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 806 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | [Redacted] | $705,190.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30541 | Safe Harbor QM (APOR) | Yes | No | $10,655.00 | $6,611.72 | 6.751% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | US Citizen | $37,855.88 | 1 | [Redacted] | $1,680.96 | [Redacted] | $140.08 | 7.485% | 7.485% | 7.485% | 01/21/2026 | 677 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $10,655.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | No | [Redacted] | $25,145.50 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30413 | N/A | No | No | $0.00 | 6.591% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,405.82 | 1 | [Redacted] | $794.04 | [Redacted] | $66.17 | 49.274% | 49.274% | 49.274% | 02/20/2026 | 797 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 1 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | [Redacted] | $140,021.77 | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.79 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30339 | N/A | No | Yes | $0.00 | 7.346% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,067.68 | 1 | [Redacted] | $1,161.96 | [Redacted] | $96.83 | 44.561% | 44.561% | 44.561% | 12/08/2025 | 773 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | 6.020% | $0.00 | 3.0 | LP / LPA | Accept/Eligible | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | $158,685.19 | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.8 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30336 | N/A | No | Yes | $18,485.00 | $23,295.25 | 6.678% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,181.41 | 1 | [Redacted] | $8,862.96 | [Redacted] | $738.58 | 44.406% | 44.406% | 44.406% | 01/05/2026 | 780 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $18,485.00 | 6.100% | $0.00 | 3.3 | DU | ApproveEligible | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 5 | 2 | No | [Redacted] | $1,012,230.76 | 59.540% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.54 | Retail | No | No | $0.00 | $6,500.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30384 | Safe Harbor QM (APOR) | Yes | No | $1,650.00 | $4,125.74 | 7.545% | [Redacted] | [Redacted] | 7.490% | No | No | Employed | Employed | US Citizen | US Citizen | $6,633.54 | 1 | [Redacted] | $1,604.04 | [Redacted] | $133.67 | 49.633% | 49.633% | 49.633% | 12/03/2025 | 693 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $1,650.00 | 6.270% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 7.490% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $142,652.14 | No | 36 | 35 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.06 | Retail | No | $0.00 | $4,915.15 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30379 | Safe Harbor QM (APOR) | Yes | Yes | $3,375.88 | $11,530.40 | 7.301% | [Redacted] | [Redacted] | 7.125% | No | No | Non-Employment Income | US Citizen | $7,051.13 | 1 | [Redacted] | $3,138.72 | [Redacted] | $261.56 | 41.425% | 41.425% | 41.425% | 01/16/2026 | 717 | No | No | [Borrower - | Primary Income - Other]; Paystubs - 2026 [Borrower - | Primary Income - Other]; Paystubs - 2026 [Borrower - | Primary Income - Other]; VVOE - 2026 [Borrower - | Primary Income - Other]; W-2 - 2025 [Borrower - | Primary Income - Other]; W-2 - 2025 [Borrower - | Primary Income - Other]; Paystubs - 2024 [Borrower - | Primary Income - Other]; Paystubs - 2024 [Borrower - | Primary Income - Other]; W-2 - 2024 [Borrower - | Primary Income - Other]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2025 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $3,375.88 | 6.060% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.71 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30342 | N/A | No | Yes | $3,596.20 | $8,164.17 | 7.439% | [Redacted] | [Redacted] | 7.125% | No | No | Employed | US Citizen | $10,736.55 | 1 | [Redacted] | $2,529.48 | [Redacted] | $210.79 | 27.194% | 27.194% | 27.194% | 02/09/2026 | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $3,596.20 | 5.980% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | $225,629.46 | 80.580% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.63 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30400 | N/A | No | Yes | $8,440.79 | $9,796.77 | 6.129% | [Redacted] | [Redacted] | 5.875% | No | No | Self-Employed | US Citizen | $12,614.45 | 1 | [Redacted] | $1,816.44 | [Redacted] | $151.37 | 37.589% | 37.589% | 37.589% | 01/16/2026 | 809 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | $8,440.79 | 6.130% | $4,000.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 5.875% | 2 | 1 | 0 | 1 | 1 | 12.00 | No | [Redacted] | $145,989.15 | 36.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.95 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30414 | Safe Harbor QM (APOR) | Yes | Yes | $7,252.50 | $6,066.17 | 6.833% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $24,374.42 | 1 | [Redacted] | $1,238.16 | [Redacted] | $103.18 | 26.877% | 26.877% | 26.877% | 02/02/2026 | 799 | 799 | 775 | 804 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | $7,252.50 | 6.100% | $0.00 | 3.2 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | $7,627.48 | No | 26 | Yes | Commitment | Fee Simple | Trust | Business Entity | Individually and as Trustee | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.99 | Retail | No | No | $0.00 | $33,333.32 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30381 | Non QM | Yes | No | $3,895.00 | $5,593.42 | 6.902% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Self-Employed | Permanent Resident Alien | US Citizen | $35,000.80 | 1 | [Redacted] | $3,579.96 | [Redacted] | $298.33 | 28.485% | 28.485% | 28.485% | 01/20/2026 | 729 | No | Yes | 24 | Business | 68.000% | 40.000% | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $3,895.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | $130,695.13 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 15.84 | No | No | $33,316.97 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30406 | N/A | No | No | [Redacted] | [Redacted] | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,524.48 | [Redacted] | $127.04 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 2.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | [Redacted] | $35,131.56 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.18 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30408 | N/A | No | No | [Redacted] | [Redacted] | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,392.96 | [Redacted] | $116.08 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30532 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,491.00 | [Redacted] | $124.25 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.4 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30540 | Non QM | Yes | No | $6,964.01 | $5,682.73 | 8.258% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | US Citizen | $2,695.01 | 1 | [Redacted] | $2,147.04 | [Redacted] | $178.92 | 40.099% | 40.099% | 40.099% | 03/12/2026 | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | The Loan Store | $6,964.01 | 5.980% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | $24,046.92 | 13.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30811 | N/A | No | No | [Redacted] | [Redacted] | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $2,718.72 | [Redacted] | $226.56 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 781 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 5.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | [Redacted] | $979,390.82 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 398.29 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30812 | N/A | No | No | [Redacted] | [Redacted] | 7.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,257.96 | [Redacted] | $104.83 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redacted] | $102,575.88 | 41.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| GCAT2026NQM30813 | N/A | No | No | [Redacted] | [Redacted] | 6.875% | No | No | US Citizen | 1 | [Redacted] | $534.60 | [Redacted] | $44.55 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 684 | No | No | DSCR | 0 | 0 | 0 | No | The Loan Store | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | $108,925.09 | 22.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 |