Exhibit 99.3
| [Redacted] Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| GCAT2026CES1001827 | 35068298 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Not required for closed end second. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001848 | 35244675 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: For Securitization purposes a secondary valuation is required. Seller Comment [Redacted]: Per guidelines if loan is Non-HPML a AMV with [Redacted]% confidence factor is all that is required (if loan amount is less than $[Redacted]) |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | N/A | N/A | No | |||||||||||||||||
| GCAT2026CES1001848 | 35244676 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: This exception is for Securitization purposes and needs to be accepted as is by the investor. Seller Comment [Redacted]: Per guidelines if loan is Non-HPML a AVM with [Redacted]% confidence factor is all that is required (if loan amount is less than $[Redacted]) |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1001855 | 35281706 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption document not provided. | Reviewer Comment [Redacted]: Provided [Redacted] Cert of Compliance Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001855 | 35281707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing | Reviewer Comment [Redacted]: [Redacted] received proof of receipt. Seller Comment [Redacted]: ICD ATTACHED |
[Redacted] 11:55:57 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001855 | 35282059 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to documented Principal and Interest payment of First Lien is greater than value used at loan origination. | Reviewer Comment [Redacted]: Received and associated updated final 1003 and 1008. Exception Cleared Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: Based on the final 1003 and 1008, OT income was not considered. Please provide updated versions of 1003 and 1008 that include OT income. Exception remains. Seller Comment [Redacted]: OT Added |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001855 | 35282061 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk as calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to documented Principal and Interest payment of First Lien is greater than value used at loan origination. | Reviewer Comment [Redacted]: Received and associated updated final 1003 and 1008. Exception Cleared Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: Please provide updated 1003 and 1008 reflecting updated income with OT. Seller Comment [Redacted]: OT ADDED |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001855 | 35282062 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk as calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to documented Principal and Interest payment of First Lien is greater than value used at loan origination. | Reviewer Comment [Redacted]: Received and associated updated final 1003 and 1008. Exception Cleared Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: Please provide updated 1003 and 1008 reflecting updated income with OT. Seller Comment [Redacted]: OT ADDED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001855 | 35282063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to documented Principal and Interest payment of First Lien is greater than value used at loan origination. | Reviewer Comment [Redacted]: Received and associated updated final 1003 and 1008. Exception Cleared Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: Please provide updated 1003 and 1008 reflecting updated income with OT. Seller Comment [Redacted]: OT ADDED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001849 | 35296324 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Reviewer Comment [Redacted]: The investor will need to approve. Seller Comment [Redacted]: [Redacted] accept please waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001849 | 35296325 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1001850 | 35306842 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received LOE and COC dated [Redacted] and as per CDs LTV changes due to change in appraised value. Seller Comment [Redacted]: Attached Reviewer Comment [Redacted]: [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on what impacts and why the lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed to decrease the lender credit and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment [Redacted]: Attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001850 | 35306845 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1001850 | 35306846 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: The Client elects to waive Seller Comment [Redacted]: [Redacted] accept please waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001854 | 35336422 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: The investor to accept this as is. Seller Comment [Redacted]: [Redacted] accept please waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001854 | 35336423 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001854 | 35336439 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Taxes and Insurance for the subject property were not disclosed on the Final Closing Disclosure. | Reviewer Comment [Redacted]: [Redacted] received Tax document, Letter of explanation and Corrected Closing disclosure. Seller Comment [Redacted]: Taxes are $[Redacted] monthly - see attached taxes Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. However, page [Redacted] of the post CD Projected payment Estimated Taxes, Insurance & Assessment section for the property taxes information are not completed. Moreover, Loan file indicates Costs of $[Redacted]. The itemized costs ($[Redacted]Tax/ $[Redacted]HOI) total $[Redacted]/ month. but on CD page [Redacted] indicates monthly property costs of $[Redacted] instead of $[Redacted]. Please reference or provide documentation if using an updated amount. Please provide corrected CD and LOE to Cure. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001854 | 35336440 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Taxes and Insurance for the subject property were not disclosed on the Final Closing Disclosure. | Reviewer Comment [Redacted]: [Redacted] received Tax document, Letter of explanation and Corrected Closing disclosure. Seller Comment [Redacted]: Monthly taxes are $[Redacted] - please review Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. However, Loan file indicates total property costs of $[Redacted]. The itemized costs ($[Redacted] Tax/ $[Redacted]HOI) total $[Redacted]/ month. but on CD page [Redacted] indicates monthly property costs of $[Redacted] instead of $[Redacted]. Please reference or provide documentation if using an updated amount. Please provide corrected CD and LOE to Cure. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001854 | 35336441 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] did not disclose a reason loan will not have an escrow account. All fields are blank. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001856 | 35357330 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification.not provided. DTI may change with additional information. | Reviewer Comment [Redacted]: Received and associated Updated 1003 & 1008, tax certificate. Exception cleared. Seller Comment [Redacted]: REO Seller Comment [Redacted]: 1003,1008,supporting docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| GCAT2026CES1001856 | 35357339 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive Seller Comment [Redacted]: Seller requests buyer review: please waive Reviewer Comment [Redacted]: For Securitization purposes this is required. Seller Comment [Redacted]: appraisal not required |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1001856 | 35357341 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects towaive. Seller Comment [Redacted]: Seller requests buyer review: please waive Reviewer Comment [Redacted]: For Securitization purposes this is required. Seller Comment [Redacted]: secondary valuation not required |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002388 | 35471923 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: An updated Title Commitment with the correct policy amount was provided. Reviewer Comment [Redacted]: The same Title Commitment was provided with a proposed policy amount of $[Redacted] and does not match the Note amount. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001823 | 35447372 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CDA supporting value. |
[Redacted] 10:52:23 AM | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||
| GCAT2026CES1001823 | 35447373 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file was missing a copy of the Security Instrument | Reviewer Comment [Redacted]: Received and associated Security Instrument - Subject Lien. Exception Cleared Buyer Comment [Redacted]: Mortgage |
[Redacted] 5:11:23 PM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||||
| GCAT2026CES1001823 | 35447375 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The vvoe does not state whether or not the borrower is actively employed. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception Cleared Buyer Comment [Redacted]: The file is not working in viewer. I am trying another way. Reviewer Comment [Redacted]: The received VVOE does not confirm whether the borrower is currently employed. Kindly provide a VVOE that clearly states the borrower's active employment status. Exception remains. Buyer Comment [Redacted]: uploaded |
[Redacted] 8:05:19 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||||
| GCAT2026CES1001823 | 35447376 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | The vvoe does not state whether or not the borrower is actively employed. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception Cleared Buyer Comment [Redacted]: The file is not working in viewer. I am trying another way. Uploaded to [Redacted]. Reviewer Comment [Redacted]: The received VVOE does not confirm whether the borrower is currently employed. Kindly provide a VVOE that clearly states the borrower's active employment status. Exception remains. Buyer Comment [Redacted]: Uploaded to [Redacted] Buyer Comment [Redacted]: VOE |
[Redacted] 8:04:45 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| GCAT2026CES1001823 | 35447377 | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as [Redacted] | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted] based on deal settings. | The vvoe does not state whether or not the borrower is actively employed. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception Cleared Buyer Comment [Redacted]: uploaded |
[Redacted] 8:06:11 AM | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| GCAT2026CES1001823 | 35447378 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The vvoe does not state whether or not the borrower is actively employed. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception Cleared Buyer Comment [Redacted]: The file is not working in viewer. I am trying another way. Uploaded to [Redacted]. Reviewer Comment [Redacted]: The received VVOE does not confirm whether the borrower is currently employed. Kindly provide a VVOE that clearly states the borrower's active employment status. Exception remains. Buyer Comment [Redacted]: uploaded |
[Redacted] 8:04:50 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| GCAT2026CES1001824 | 35447380 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: LOE and PCCD uploaded to [Redacted]. Reviewer Comment [Redacted]: Estimated Taxes, Insurance & Assessments on page [Redacted] of the CD is $[Redacted] and estimated Property Costs over Year [Redacted] is blank. |
[Redacted] 1:09:13 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001824 | 35447381 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: LOE for PCCD Buyer Comment [Redacted]: PCCD |
[Redacted] 1:10:12 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001824 | 35447382 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: LOE and PCCD uploaded to [Redacted]. |
[Redacted] 1:10:20 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001824 | 35447383 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] did not disclose the reason why the loan will not have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: LOE and PCCD uploaded to [Redacted]. |
[Redacted] 1:10:27 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001828 | 35447386 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Buyer Comment [Redacted]: coc loe Buyer Comment [Redacted]: coc cds & loes |
[Redacted] 10:58:36 PM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001825 | 35447388 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing copy of Credit Report. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception Cleared Buyer Comment [Redacted]: sent Buyer Comment [Redacted]: credit |
[Redacted] 4:14:41 PM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001825 | 35447389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing copy of Fraud Report. | Reviewer Comment [Redacted]: Received and associated Fraud Report. Exception Cleared Buyer Comment [Redacted]: sent Buyer Comment [Redacted]: fraud |
[Redacted] 3:54:00 PM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001825 | 35447392 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed Projected Payments section (pg 1): Estimated Taxes, Insurance, & Assessments as $[Redacted]. | Reviewer Comment [Redacted]: [Redacted] received corrected PCCD and LOE Buyer Comment [Redacted]: LOE Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached CD |
[Redacted] 3:41:35 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001825 | 35447393 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Reviewer Comment [Redacted]: [Redacted] received corrected PCCD and LOE Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached CD Reviewer Comment [Redacted]: Estimated Taxes, Insurance & Assessments on page [Redacted] of the CD is $[Redacted] and estimated Property Costs over Year [Redacted] is blank. |
[Redacted] 3:41:57 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001825 | 35447394 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] reflects loan will not have an escrow account but Non-Escrowed Property Costs over Year 1 is blank. | Reviewer Comment [Redacted]: [Redacted] received corrected PCCD and LOE Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached CD |
[Redacted] 3:41:49 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001825 | 35447395 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] does not reflect a reason for the loan not having an escrow account. | Reviewer Comment [Redacted]: [Redacted] received corrected PCCD and LOE Buyer Comment [Redacted]: see [Redacted] for LOE uploaded Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached updated CD |
[Redacted] 3:41:42 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001829 | 35447417 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing copy of Title Preliminary. | Reviewer Comment [Redacted]: Received and associated title final policy. Exception cleared. Buyer Comment [Redacted]: $[Redacted] title Reviewer Comment [Redacted]: Provided Title policy insured amount is $[Redacted] which is lower than the loan amount $[Redacted]. Please provide the final title covering the loan amount. Exception Remains. Buyer Comment [Redacted]: title uploaded Buyer Comment [Redacted]: title |
[Redacted] 4:39:19 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001829 | 35447418 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: CDA provided. Buyer Comment [Redacted]: cda |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001829 | 35447422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD |
[Redacted] 6:47:46 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001829 | 35447423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Reviewer Comment [Redacted]: Estimated Taxes, Insurance & Assessments on page [Redacted] of the CD is $[Redacted] and estimated Property Costs over Year [Redacted] is blank. |
[Redacted] 6:46:28 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001829 | 35447424 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Buyer Comment [Redacted]: see attached PCCD and LOX |
[Redacted] 6:45:59 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001829 | 35447425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Buyer Comment [Redacted]: see attachments on [Redacted] |
[Redacted] 6:46:11 AM | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001841 | 35447428 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: [Redacted] | Reviewer Comment [Redacted]: AVM provided. Buyer Comment [Redacted]: FD score is [Redacted]-Per matric [Redacted] - FSD < [Redacted] Reviewer Comment [Redacted]: AVM in file is unacceptable as it does not reflect an FSD score. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1001841 | 35447429 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: Appraisal report |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001841 | 35447430 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001839 | 35447434 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The Supporting Secondary Valuation is missing | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Exception must be accepted as there was no interior inspection done on the property. Buyer Comment [Redacted]: see attached avm |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001839 | 35447436 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Sr note and/or mortgage statement not provided in file to reflect the P&I amount | Reviewer Comment [Redacted]: Received and associated Mortgage Statement. Exception Cleared Buyer Comment [Redacted]: see attached 1st lien docs |
[Redacted] 8:05:38 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001839 | 35447437 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Ins reflects the street name with the word "[Redacted]" (with an "s'), whereas the Note reflects "[Redacted]" (without the "s") | Reviewer Comment [Redacted]: [Redacted] affidavit provided, exception cleared. Buyer Comment [Redacted]: please see attached [Redacted] affidavit |
[Redacted] 9:11:42 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001839 | 35447438 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert reflects the street name with the word "[Redacted]" (with an "s'), whereas the Note reflects "[Redacted]" (without the "s") | Reviewer Comment [Redacted]: [Redacted] affidavit provided, exception cleared. Buyer Comment [Redacted]: please see attached [Redacted] affidavit |
[Redacted] 9:11:53 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001839 | 35447439 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal reflects the street name with the word "[Redacted]" (with an "s'), whereas the Note reflects "[Redacted]" (without the "s") | Reviewer Comment [Redacted]: [Redacted] affidavit provided, exception cleared. Buyer Comment [Redacted]: please see attached [Redacted] affidavit |
[Redacted] 9:11:47 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001836 | 35447442 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] | The AVM provided does not support the appraisal within [Redacted]%. | Reviewer Comment [Redacted]: A Desk Review was provided Buyer Comment [Redacted]: desk review sent Buyer Comment [Redacted]: Desk review supports value |
[Redacted] 10:02:01 AM | No | 1 | C | A | A | A | C | A | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001836 | 35447443 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Provide replacement cost estimator to determine if coverage is sufficient. | Reviewer Comment [Redacted]: Received and associated updated Hazard Insurance Policy. Exception Cleared Buyer Comment [Redacted]: hazard |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001836 | 35447444 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Reviewer Comment [Redacted]: The Lender is using the original rate lock date of [Redacted] for [Redacted]% rate so the index date would have been [Redacted] with an index of [Redacted]%. If the rate changed for any reason from the initial lock, the rate has not been set for the final time. The only instance the original rate lock date can be used as the rate set date is when the rate changes from initial rate lock to closing is if there is a program change and lender used the original rate sheet to set the rate. The program through all LEs and CDs was [Redacted] Year Fixed. As no program change occurred, the initial rate lock date cannot be used to establish APOR as it was not locked at the Note rate and was later re-locked at the Note rate. The Note has a rate of [Redacted]% so the index date would be [Redacted] with an index of [Redacted]%. Buyer Comment [Redacted]: client's compliance report and closing documents appear to match the compliance summary tab in [Redacted] which shows no variance in finance charge, calculated amount financed or total # of payments. Clients' compliance report and QM summary show the loan is not an HPML with the exact amounts [Redacted] has calculated. Buyer Comment [Redacted]: not [Redacted]- [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001836 | 35447445 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: Appraisal delivery Reviewer Comment [Redacted]: The Lender is using the original rate lock date of [Redacted] for [Redacted]% rate so the index date would have been [Redacted] with an index of [Redacted]%. If the rate changed for any reason from the initial lock, the rate has not been set for the final time. The only instance the original rate lock date can be used as the rate set date is when the rate changes from initial rate lock to closing is if there is a program change and lender used the original rate sheet to set the rate. The program through all LEs and CDs was [Redacted] Year Fixed. As no program change occurred, the initial rate lock date cannot be used to establish APOR as it was not locked at the Note rate and was later re-locked at the Note rate. The Note has a rate of [Redacted]% so the index date would be [Redacted] with an index of [Redacted]%. Buyer Comment [Redacted]: sent appraisal acknowledgement & email delivery Buyer Comment [Redacted]: email response stating received [Redacted] Buyer Comment [Redacted]: appraisal acknowledgement received [Redacted] days prior to close |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001836 | 35447447 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the Sr note or mortgage statment not provided in the file to confirm the P&I payment | Reviewer Comment [Redacted]: Received and associated mortgage statement for First Lien. Exception Cleared. Buyer Comment [Redacted]: see attached 1st lien Reviewer Comment [Redacted]: Provided document is not reflecting the Senior lien P&I. Please provide the Sr lien note or mortgage statement to verify the P&I. Exception Remains. Buyer Comment [Redacted]: pg [Redacted] has current loan info including original LA term and rate |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001840 | 35447450 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Please accept as is. | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: This exception must be accepted as this is stating no interior inspection was conducted on the property. This is a [Redacted] requirement to be called out. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: [Redacted] & avm ([Redacted]% variance) in file per guides |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001840 | 35447452 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated [Redacted]. Exception Cleared Buyer Comment [Redacted]: see attached 1st lien docs Reviewer Comment [Redacted]: Received property report however unable to verify the first lien P&I. Please provide 'Note document for Senior lien'. Exception remains. Buyer Comment [Redacted]: property report from first integrity title |
[Redacted] 8:02:10 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001826 | 35447454 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: This is for Securitization purposes to reflect there was no interior inspection conducted. The exception must be accepted. Buyer Comment [Redacted]: AVM and exterior appraisal are in the file. Buyer Comment [Redacted]: [Redacted] lien transaction. Please see AVM with interior photos and exterior appraisal |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001826 | 35447456 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: Documentation provided. Buyer Comment [Redacted]: rtoc Reviewer Comment [Redacted]: The Notice of Right to Cancel form was provided. However, the borrower was not provided the full [Redacted] days of rescission from the time they received this form. The [Redacted] provided has the closing date of [Redacted] with an expiration date of [Redacted] but the form was not signed until [Redacted]. Please provide a new [Redacted] allowing [Redacted] days of rescission from the date the borrower signed/received it. Buyer Comment [Redacted]: see attached forms |
[Redacted] 9:59:36 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001835 | 35447459 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated Mortgage Statement. Exception Cleared Buyer Comment [Redacted]: statement Reviewer Comment [Redacted]: Received property report however unable to verify the first lien P&I. Please provide 'Note document for Senior lien'. Exception remains. Buyer Comment [Redacted]: Property Report (First Integrity title) Buyer Comment [Redacted]: property detail report |
[Redacted] 10:24:31 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001837 | 35447460 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | . | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: The [Redacted] does not clear this exception as that is an exterior only inspection. This will need to be accepted as is as this to let the RAs know there was no interior inspection conducted on the property. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: AVM within [Redacted]% & [Redacted] in file per guides : Loan amounts <=$[Redacted]require a [Redacted]/AVM required on all [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001837 | 35447462 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated senior lien mortgage statement. Exception cleared. Buyer Comment [Redacted]: statement Reviewer Comment [Redacted]: Unable to verify the P&I $[Redacted] for the senior lien on property report. Please provide the Note for senior lien. Exception remains. Buyer Comment [Redacted]: 1st lien info on property report Buyer Comment [Redacted]: Property report shows senior lien info |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001842 | 35447463 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: title property detail Buyer Comment [Redacted]: property report in file per guides |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001842 | 35447466 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated mortgage statement for First Lien. Exception Cleared. Buyer Comment [Redacted]: see attached first lien |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001834 | 35447468 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Received Property report per guides: Title Documentation. Exception Cleared. Buyer Comment [Redacted]: Property report per guides: Title Documentation For loan amounts less than or equal to $[Redacted], [Redacted] will utilize an owner & encumbrance report (property report) Buyer Comment [Redacted]: property report in file per guides |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001834 | 35447469 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001834 | 35447470 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: acknowledged Buyer Comment [Redacted]: delivered [Redacted]- email attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001834 | 35447472 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Docs provided, exception cleared. Buyer Comment [Redacted]: docs from lender Reviewer Comment [Redacted]: The received mortgage statement reflects the first mortgage Principal & Interest (P&I) as $[Redacted](broken down as $[Redacted]+ $[Redacted]). However, according to the final 1003 and 1008, the first mortgage P&I should be $[Redacted]. If we calculate the (DTI) ratio based on the mortgage statement amount, it results in [Redacted]%, which exceeds the guideline limits. Kindly provide the corrected documents to ensure alignment with the final 1003 and 1008 figures. Exception remains. Buyer Comment [Redacted]: see attached [Redacted]st lien docs |
[Redacted] 2:21:33 PM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001834 | 35447474 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The calculated dti exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
CLTV is [Redacted]% below guideline max. | [Redacted] [Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: exception uploaded Buyer Comment [Redacted]: DTI is [Redacted]% |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001834 | 35447475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: exception uploaded Buyer Comment [Redacted]: DTI is [Redacted]% |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| GCAT2026CES1001834 | 35447476 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception in file. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: exception uploaded Buyer Comment [Redacted]: DTI is [Redacted]% |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| GCAT2026CES1001834 | 35447477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Lender exception provided to allow dti over [Redacted]% but under [Redacted]%. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: exception uploaded Buyer Comment [Redacted]: DTI is [Redacted]% |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| GCAT2026CES1001834 | 35447478 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
CLTV is [Redacted]% below guideline max. | [Redacted] [Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001844 | 35447491 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: [Redacted] | Reviewer Comment [Redacted]: Received secondary valuation AVM with value $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1001844 | 35447492 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1001844 | 35447495 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception Cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001838 | 35447496 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: AVM starting page [Redacted] Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: [Redacted] & AVM within [Redacted]% variance [Redacted] per guides: Loan amounts <=$[Redacted] require a [Redacted], AVM required on all [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001838 | 35447498 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated Note - Senior Lien. Exception Cleared Buyer Comment [Redacted]: note |
[Redacted] 4:07:05 PM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001843 | 35447507 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Received and associated owner & encumbrance report (property report). Exception cleared. Buyer Comment [Redacted]: per guidelines- loan amount less than or equal to $[Redacted], will utilize an owner & encumbrance report (property report)- attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001843 | 35447508 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | SR. Lien Note and mortgage statement are not located in the file. Required to confirm P&I. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded Buyer Comment [Redacted]: cert of eligibility showing VA disability benefits as per guides: Veterans Affairs (VA) Benefits-The following documentation is required: • Certificate of Eligibility detailing the amount of the payment received |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001843 | 35447509 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Please provide an award letter or 1099 to support the VA income. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001843 | 35447510 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | ATR risk due to missing award letter or 1099 for VA income | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: VA Cert of eligibility showing monthly disability amount uploaded to *[Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001843 | 35447511 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR risk due to missing award letter or 1099 for VA income | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002373 | 35447634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Appraisal is dated prior to application date. | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002373 | 35447637 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Lender only. Missing [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002373 | 35447638 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached note |
[Redacted] 8:16:22 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002373 | 35447641 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The calculated dti exceeds max allowable dti of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: exception uploaded |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002373 | 35504907 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002373 | 35504908 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment [Redacted]: The client waived the DTI tolerance. The loan is now SHQM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002373 | 35504909 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI exceeds [Redacted]% | Reviewer Comment [Redacted]: The client waived the DTI tolerance. The loan is now SHQM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | A | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1002364 | 35447652 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002374 | 35447668 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002374 | 35447669 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | This file is missing a Note document and a Mortgage statement required to verify the first lien P&I and interest rate | Reviewer Comment [Redacted]: Received and associated first lien mortgage statement. Exception cleared. Buyer Comment [Redacted]: Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002354 | 35447673 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [Redacted] | Reviewer Comment [Redacted]: UCDP provided, score of [Redacted]. Buyer Comment [Redacted]: [Redacted] score is a [Redacted] |
[Redacted] 2:36:13 PM | No | 1 | N/A | A | A | A | N/A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1002354 | 35447677 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement documenting the monthly Principal and Interest payment of the 1st Lien. | Reviewer Comment [Redacted]: Received and associated [Redacted] lien mortgage statement. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] 6:46:29 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002367 | 35447679 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [Redacted] | Reviewer Comment [Redacted]: BPO provided. Reviewer Comment [Redacted]: This product does not have an FSD score. Buyer Comment [Redacted]: AVM is on page [Redacted] of original package please cancel |
[Redacted] 1:31:45 PM | No | 1 | N/A | A | A | A | N/A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002367 | 35447682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: The loan designation is now High Priced QM - APOR. Buyer Comment [Redacted]: please clear. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002367 | 35447684 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Provided Senior lien mortgage statement Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002367 | 35447685 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The calculated dti exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted]residual income. LTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Reviewer Comment [Redacted]: The provided document is cut off, also not showing the 'approved' status anywhere for the DTI discrepancy. Exception remains. Buyer Comment [Redacted]: lender docs |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1002367 | 35447686 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted]residual income. LTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1002367 | 35447687 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002362 | 35447690 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated first lien mortgage statement. Exception cleared. Buyer Comment [Redacted]: Statement Reviewer Comment [Redacted]: Please provide [Redacted] Lien Note. The subject Note [Redacted] Lien was provided. Buyer Comment [Redacted]: Note Dated [Redacted] |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002362 | 35447694 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Lender exception provided for loan amount. DTI in line with updated P&I on first mortgage. Buyer Comment [Redacted]: exception Reviewer Comment [Redacted]: Per guidelines, the max DTI is [Redacted]% Buyer Comment [Redacted]: Closed End Seconds Underwriting Requirements: Max [Redacted]% DTI |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002362 | 35447695 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Lender exception provided for loan amount. DTI in line with updated P&I on first mortgage. Buyer Comment [Redacted]: exception Reviewer Comment [Redacted]: Per guidelines, the max DTI is [Redacted]% Buyer Comment [Redacted]: Closed End Seconds Underwriting Requirements: Max [Redacted]% DTI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002362 | 35447696 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: With updated P&I info on first mtg, dti meets guidelines. Buyer Comment [Redacted]: exception Reviewer Comment [Redacted]: Per guidelines, the max DTI is [Redacted]% Buyer Comment [Redacted]: Closed End Seconds Underwriting Requirements: Max [Redacted]% DTI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002362 | 35447698 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Per guidelines, the max DTI is [Redacted]% | Reviewer Comment [Redacted]: With updated P&I on first mtg, dti is under [Redacted]%. Buyer Comment [Redacted]: Exception uploaded Buyer Comment [Redacted]: exception |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026CES1002362 | 35447699 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Min loan amount per guidelines is $[Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Originator,[Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002366 | 35447703 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Mortgage Statement or Note to verify First Lien Principal & Interest payment. | Reviewer Comment [Redacted]: Provided updated Mortgage statement with current balance and payment Buyer Comment [Redacted]: See attached statement Reviewer Comment [Redacted]: Final 1003 and 1008 showing first mortgage P&I $[Redacted] however the provided documents are showing the higher amount, unable to identify the exact P&I. Please provide 'Note-Senior lien'. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002365 | 35447706 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Mortgage statement or Note documenting Principal and Interest payment for First Lien | Reviewer Comment [Redacted]: Provided Mortgage Statement for [Redacted]lien Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The received mortgage statement reflects the first mortgage Principal & Interest (P&I) as $[Redacted] (breakdown as $[Redacted]+ $[Redacted]). However, according to the final 1003 and 1008, the first mortgage P&I is $[Redacted]. If we calculate the (DTI) ratio based on the mortgage statement amount, it is resulting in $[Redacted]%, which exceeds the guideline limits of [Redacted]%. Kindly provide the corrected documents to ensure alignment with the final 1003 and 1008 figures. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002369 | 35447710 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Provided evidence that borrower received appraisal at least [Redacted] days before closing Buyer Comment [Redacted]: See [Redacted] Reviewer Comment [Redacted]: Appraisal not provided at least 3 business days prior to the Note date. Buyer Comment [Redacted]: Docs uploaded to cond [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002369 | 35447711 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment [Redacted]: Provided evidence that borrower received appraisal at least [Redacted] days before closing Buyer Comment [Redacted]: Docs uploaded Reviewer Comment [Redacted]: Received appraisal notice which is not meeting the [Redacted] days requirement. Please Provide acknowledgement of their receipt of the valuation [Redacted] days prior to closing document. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002369 | 35447713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure dated [Redacted] was not provided to Borrower(s) at least three (3) business days prior to closing date of [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received proof of earlier electronic receipt Buyer Comment [Redacted]: docs uploaded |
[Redacted] 10:19:00 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002369 | 35447714 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated Note - Senior Lien. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] 5:49:26 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002357 | 35447716 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | This file is missing a Note or Mortgage statement required to verify the first lien P&I and interest rate. | Reviewer Comment [Redacted]: Received and associated Mortgage statement for senior lien. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002360 | 35447731 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement to determine Principal and Interest payment of First Lien. | Reviewer Comment [Redacted]: Received and associated Mortgage statement for senior lien. Exception cleared. Buyer Comment [Redacted]: See 1st lien mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002376 | 35447735 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: please accept as is Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002376 | 35447737 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement to verify Principal and Interest payment on First Lien. | Reviewer Comment [Redacted]: Provided current Mortgage statement for 1st lien Buyer Comment [Redacted]: see attached mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002358 | 35447742 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Senior lien or Mortgage Statement document is missing in the file | Reviewer Comment [Redacted]: Received and associated Mortgage statement for senior lien. Exception cleared. Buyer Comment [Redacted]: See 1st lien Note attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002358 | 35447744 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Maximum CLTV for the state of [Redacted] is [Redacted]% for borrowers with greater than [Redacted] FICO. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Miscellaneous |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
[Redacted] Originator,[Redacted] [Redacted] Originator |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception uploaded |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1002359 | 35447748 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing First Lien Note or Mortgage statement to determine Principal and Interest payment amount. | Reviewer Comment [Redacted]: Provided current Mortgage statement for 1st lien Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002359 | 35447749 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: please accept as is |
[Redacted] 10:59:44 AM | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002375 | 35447751 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is |
[Redacted] 10:57:08 AM | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002375 | 35447753 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Provided 1st lien mortgage statement Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002370 | 35447782 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note senior lien or mortgage statement in the file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Statement |
[Redacted] 8:33:27 AM | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002370 | 35447783 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Should be waived. Buyer Comment [Redacted]: ACCEPT AS IS Reviewer Comment [Redacted]: Please accept this exception as is. Buyer Comment [Redacted]: Appraisal Guideline: Loan amounts <=$[Redacted]require a [Redacted]. If there is a previous full appraisal and it is less than [Redacted] months old, that appraisal can be used with a recert of value. For loan amounts over $[Redacted]a full appraisal is required or if the loan is [Redacted]. An AVM is required on any loan that has an appraisal score > [Redacted]when a full appraisal is used; AVM required on all [Redacted]. When an AVM is completed, and if the AVM value is lower by more than [Redacted]%, then the AVM value will be used to calculate the CLTV. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002368 | 35447820 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Senior lien Note or mortgage statement document is missing in the file | Reviewer Comment [Redacted]: Provided current mortgage statement Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002390 | 35596675 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: Seller requests buyer review: requesting waiver |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002390 | 35596677 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: Seller requests buyer review: requesting waiver |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1001852 | 35596092 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received initial CD dated [Redacted]. Reviewer Comment [Redacted]: [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide LE/CD for further analysis. Reviewer Comment [Redacted]: [Redacted] received [Redacted] CD received [Redacted] business days prior to consummation. Seller Comment [Redacted]: CD Seller Comment [Redacted]: Closing CD |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001852 | 35596093 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received initial CD dated [Redacted] along with the COC dated [Redacted]. Reviewer Comment [Redacted]: [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide LE/CD for further analysis. Reviewer Comment [Redacted]: [Redacted] Received Valid COC dated [Redacted] along with CD. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001852 | 35596094 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received initial CD dated [Redacted] along with the COC dated [Redacted]. Seller Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: [Redacted] received COC [Redacted] along with incomplete CD.Kindly provide a valid COC for the fee added on CD dated [Redacted] for $[Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment [Redacted]: CD dated [Redacted] Reviewer Comment [Redacted]: [Redacted] Received CD dated [Redacted] and [Redacted] are already present in file. Provide corresponding CD for COC dated [Redacted]. Seller Comment [Redacted]: preliminary CD Seller Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide LE/CD for further analysis. Reviewer Comment [Redacted]: [Redacted] Received Valid COC dated [Redacted] along with CD. Seller Comment [Redacted]: Notice of change of Circumstance |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002382 | 35597658 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Missing secondary valuation | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: An AVM was provided. Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: Seller requests buyer review: please request waiver |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | B | B | A | A | D | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002382 | 35602462 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception to qualify using Borrower's spouse's income, and to be added to title. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | B | B | A | A | D | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002383 | 35616175 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002383 | 35616176 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002384 | 35723707 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002384 | 35723710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001853 | 35727060 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement not provided. | Reviewer Comment [Redacted]: Removed rental income. Seller Comment [Redacted]: Updated income removal of rental Seller Comment [Redacted]: Please see updated income and removal of rental income from [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001853 | 35727084 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001853 | 35727085 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001853 | 35727138 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to add co-borrower (spouse) on title and use income to qualify. Approval in file. Investor will need to approve this exception. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. Seller Comment [Redacted]: ATTACHED |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1001853 | 35733256 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Borrower has claimed rental income from [Redacted]. A lease agreement was not provided to verify income. |
Reviewer Comment [Redacted]: Documentation provided, exception cleared. Seller Comment [Redacted]: Please see updated income and removal of rental income from [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002410 | 35795458 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: Appraisal not required, property Condition Inspection alone is sufficient per guideline. See section [Redacted]. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | B | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002410 | 35807560 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of [Redacted]. | Reviewer Comment [Redacted]: Received and associated Third party verification. Exception cleared. Seller Comment [Redacted]: SE verification Seller Comment [Redacted]: SE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | B | A | N/A | No | |||||||||||||
| GCAT2026CES1002410 | 36195221 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | B | A | N/A | No | ||||||||||||||||||
| GCAT2026CES1001833 | 35773164 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Notes within the file reflect the property on [Redacted] is paid by sister. In order to exclude from DTI, please provide pay history from family member for the most recent [Redacted] months of payment | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see docs uploaded research showing corelogic Reviewer Comment [Redacted]: Received Tax certificate it is paid by sister, please provide the hazard insurance verification for the property #[Redacted] [Redacted]. Exception remains. Buyer Comment [Redacted]: tax bill showing paid by sister. Reviewer Comment [Redacted]: Pay history provided. Can you verify tax and ins are escrowed for this property? If not, verify the annual tax and ins. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001833 | 35773167 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a copy of the mortgage statement for the Sr mortgage for the subject property that reflects the breakdown of the full PITIA | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached mortgage statement |
[Redacted] 9:23:09 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001833 | 35773168 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds [Redacted]%. Missing lender exception with comp factors to allow dti up to [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] 9:45:08 AM | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001833 | 35773169 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds [Redacted]%. Missing lender exception with comp factors to allow dti up to [Redacted]%. | Reviewer Comment [Redacted]: The loan designation is now Non-QM Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] 9:46:42 AM | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001833 | 35773170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds [Redacted]%. Missing lender exception with comp factors to allow dti up to [Redacted]%. | Reviewer Comment [Redacted]: The client waived the DTI Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception |
[Redacted] 9:46:18 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001833 | 35773171 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds [Redacted]%. Missing lender exception with comp factors to allow dti up to [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] 9:45:31 AM | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1001833 | 35773172 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Duplicate. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002377 | 35773199 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: [Redacted] received corrected PCCD with updated page [Redacted] but the disbursement date on page [Redacted] is updated as [Redacted] which is prior to the consummation date. Please confirm and provide updated CD or documentation for the updated date used. Also, LOE to borrower is missing. LOE to accompanying CD is required to cure. Buyer Comment [Redacted]: See attached PCCD Reviewer Comment [Redacted]: [Redacted] Received PCCD dated [Redacted] is already present in file; PCCD did not designate a reason on Page [Redacted] " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Buyer Comment [Redacted]: see attached CD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002377 | 35773200 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | File is missing the copy of E-Sign consent agreement document | Reviewer Comment [Redacted]: Provided evidence of E-consent date Buyer Comment [Redacted]: see attached esign docs Reviewer Comment [Redacted]: Received E-sign tracking. Please provide the E-sign Agreement. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002353 | 35773209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | The calculated dti exceeds max allowable dti of [Redacted]%. | Reviewer Comment [Redacted]: Client has restated to HPQM (APOR) Reviewer Comment [Redacted]: Do you want to restate to HPQM (APOR)? Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Received lender exception has been approved for less than [Redacted]%. However, the calculated DTI is [Redacted]%. Please provide supporting documentation for the omission of account [Redacted]l #[Redacted]. Exception remains. Buyer Comment [Redacted]: see attached exception |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002353 | 35773210 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Provide supporting documents for omission of account [Redacted] #[Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. CLTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Received lender exception has been approved for less than [Redacted]%. However, the calculated DTI is [Redacted]%. Please provide supporting documentation for the omission of account [Redacted] #[Redacted]. Exception remains. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1002353 | 35773211 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The calculated dti exceeds max allowable dti of [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: see [Redacted] Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: The lender exception approves DTI of over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002353 | 35773212 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. |
[Redacted] 11:42:34 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002353 | 35773213 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of receipt of appraisal not provided in file | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] 11:42:34 AM | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002353 | 35773214 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Provide supporting documents for omission of account [Redacted] #[Redacted] | Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: The lender exception approves DTI of over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002353 | 35773216 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Post close lender exception provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. CLTV is [Redacted]% below guideline max. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002353 | 35773217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client restated to HPQM (APOR) | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: accept |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001847 | 35773221 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment [Redacted]: [Redacted] received LOA Buyer Comment [Redacted]: see attached lender explanation Buyer Comment [Redacted]: lender docs Reviewer Comment [Redacted]: Finance charge remains under disclosed in the amount of $[Redacted]. Cure is required. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment [Redacted]: final cd [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001847 | 35773222 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] did not disclose any Estimated Taxes, Insurance, and Assessments. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment [Redacted]: final cd uploaded to [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001847 | 35773223 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). ( | Reviewer Comment [Redacted]: [Redacted] received LOA Buyer Comment [Redacted]: lender docs Reviewer Comment [Redacted]: Finance charge remains under disclosed in the amount of $[Redacted]. Cure is required. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment [Redacted]: final cd uploaded to [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001847 | 35773225 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] did not specify the reason why no escrow account will be established. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment [Redacted]: final cd [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001847 | 35773226 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment [Redacted]: loe Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002356 | 35773230 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Mortgage Statement document is missing in the file | Reviewer Comment [Redacted]: Received and associated senior lien mortgage statement. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002356 | 35773232 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is |
[Redacted] 11:01:07 AM | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002363 | 35773240 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement to verify First Lien Principal and Interest payment. | Reviewer Comment [Redacted]: Provided Mortgage statement for 1st lien Buyer Comment [Redacted]: exception uploaded Reviewer Comment [Redacted]: The received mortgage statement reflects the first mortgage Principal & Interest (P&I) as $[Redacted](breakdown as $[Redacted]+ $[Redacted]). However, according to the final 1003 and 1008, the first mortgage P&I is $[Redacted]. By calculating the (DTI) ratio based on the mortgage statement amount, it is resulting in $[Redacted]%, which exceeds the limits of [Redacted]%. Kindly provide the corrected documents to ensure alignment with the final 1003 and 1008 figures or provide the senior lien note document. Exception remains. Buyer Comment [Redacted]: Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002363 | 35773241 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Max dti per guidelines is [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception uploaded Reviewer Comment [Redacted]: Lender exception approved for dti over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: approved exception |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002363 | 35773242 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Loan is NonQM Buyer Comment [Redacted]: exception uploaded for [Redacted]% Reviewer Comment [Redacted]: Lender exception approved for dti over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: approved exception |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002363 | 35773243 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception uploaded for [Redacted]% Reviewer Comment [Redacted]: Lender exception approved for dti over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: approved exception |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002363 | 35773244 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: updated exception Reviewer Comment [Redacted]: Lender exception approved for dti over [Redacted]% but less than [Redacted]%, calculated dti is [Redacted]%. Buyer Comment [Redacted]: approved exception |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002363 | 35773245 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Post close lender exception provided. | Reviewer Comment [Redacted]: Lender exception provided. Reviewer Comment [Redacted]: Regraded to EV2-B based on sufficient compensating factors. Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| GCAT2026CES1002371 | 35773246 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | The file is missing a copy of Note - Senior Lien. | Reviewer Comment [Redacted]: Provided Mortgage statement Buyer Comment [Redacted]: Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002371 | 35773247 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Provided Mortgage statement |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002371 | 35773249 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Per guidelines, the max DTI is [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002371 | 35773253 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Originator,[Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: Lender Exception attached to Loan Exception ID [Redacted] |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002371 | 35773254 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002355 | 35773256 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted]. Note P&I was used for the APR calculation and compliance testing. | Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: simple rate interest |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C | B | C | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002355 | 35773258 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income. CLTV is [Redacted]% below guideline max. |
[Redacted] Originator,[Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. Buyer Comment [Redacted]: see attached exception Reviewer Comment [Redacted]: Based on the Guidelines verbal verification to confirm Borrower's current employment status within [Redacted] business days from the mortgage note date for wage income is required. Please provide VVOE dated within [Redacted] business days prior to the Note date. Exception remains. Buyer Comment [Redacted]: See attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C | B | C | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1002372 | 35773260 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002372 | 35773262 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | :Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: cure docs Reviewer Comment [Redacted]: [Redacted] received rebuttal, However, if the creditor subsequently reduces the specific lender credit by $[Redacted] because the Lender's title policy by $[Redacted] and added Lender paid appraisal fee $[Redacted] and credit report fee $[Redacted], then the creditor has a zero-tolerance standard violation because, although the amount of the lender's title policy removed, the amount of the lender credit decreased. (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee from Lender title policy fee and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002395 | 35773294 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | ECOA Receipt of Appraisal Without Waiver | Reviewer Comment [Redacted]: [Redacted] received proof of earlier electronic receipt Buyer Comment [Redacted]: log Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002395 | 35773296 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $[Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Exception uploaded |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1002404 | 35773300 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure dated [Redacted] was not provided to Borrower(s) at least three (3) business days prior to closing date of [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received disclosure Tracking for CD dated [Redacted] received to consumer [Redacted] business days prior to the consummation. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002404 | 35773301 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [Redacted]% DTI is approved. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002401 | 35773303 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy with Policy Effective Date [Redacted]. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002401 | 35773304 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Provided evidence of receipt Buyer Comment [Redacted]: * |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002401 | 35773305 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment [Redacted]: Provided evidence of receipt Buyer Comment [Redacted]: * Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: see [Redacted] Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002401 | 35773307 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment [Redacted]: Provided IL Cert of Compliance Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002401 | 35773308 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] W2. | Reviewer Comment [Redacted]: Received and associated [Redacted] & [Redacted]. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002401 | 35773309 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing [Redacted] W2. | Reviewer Comment [Redacted]: Received and associated [Redacted] & [Redacted]. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002401 | 35773310 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [Redacted] W2. | Reviewer Comment [Redacted]: Received and associated [Redacted] & [Redacted]. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002400 | 35773320 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: VOE Reviewer Comment [Redacted]: VOE dated [Redacted] is showing loan originator name '[Redacted]' and SSN is matching with borrower's which is contradicting. Please provide the VOE within the note date with borrower name and SSN. Exception Remains. Buyer Comment [Redacted]: In [Redacted] - filed under credit report- page [Redacted] VOE dated [Redacted] from a [Redacted] party , info current as of [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002399 | 35773323 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for DTI>[Redacted]% not to exceed [Redacted]% is approved. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
$[Redacted] residual income. | [Redacted] [Redacted] Originator,[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002399 | 35773324 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | The file was missing copy of Approval. | Reviewer Comment [Redacted]: Received and associated Approval. Exception cleared. Buyer Comment [Redacted]: approval |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002398 | 35773332 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the supporting secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Reviewer Comment [Redacted]: . Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: cda |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002398 | 35773337 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing 1st lien Note | Reviewer Comment [Redacted]: Per [Redacted], Mtg. statement acceptable alt doc. Buyer Comment [Redacted]: Mortgage statement [Redacted] per [Redacted] - see pg [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002403 | 35773340 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report document is missing in the file. | Reviewer Comment [Redacted]: Received and associated Fraud Report. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001857 | 35773355 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Coverage exceeds loan amount. Buyer Comment [Redacted]: see attached LOX |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1001846 | 35789716 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001846 | 35789717 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Provided secondary AVM supporting value Buyer Comment [Redacted]: avm to support inspection attached Reviewer Comment [Redacted]: Primary AVM in file. Missing secondary valuation for securitization purposes Buyer Comment [Redacted]: on page [Redacted] of the initial upload- please cancel |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001846 | 35789720 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001846 | 35789722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: See attached PCCD docs Reviewer Comment [Redacted]: [Redacted] received corrected PCCD but missing LOE to accompanied CD. Buyer Comment [Redacted]: see attached CD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001846 | 35789723 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001846 | 35789724 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] 11:52:19 AM | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001846 | 35789725 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. 2 AVM's with the same Model Name were entered. Sec ID: [Redacted] | Reviewer Comment [Redacted]: BPO provided. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||||
| GCAT2026CES1001846 | 35945973 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rural properties ineligible per the guidelines. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client exception received. Seller Comment [Redacted]: Attached is the approved exception for the rural properties. Please waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002385 | 35808157 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002385 | 35808160 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002385 | 35808181 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment [Redacted]: Received and associated Guarantor Agreement. Exception cleared. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002386 | 35823341 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002386 | 35823342 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002386 | 35823411 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment [Redacted]: Received and associated Guarantor Agreement. Exception cleared. Seller Comment [Redacted]: signed Seller Comment [Redacted]: Please see both uploaded documents Seller Comment [Redacted]: Please see both uploaded Reviewer Comment [Redacted]: Received Guarantor Agreement not signed. Exception Remains. Seller Comment [Redacted]: attached Reviewer Comment [Redacted]: Received only the signed last page of the Guarantor Agreement. However, we require the complete set of all [Redacted] pages signed. Exception Remains. Seller Comment [Redacted]: attached Reviewer Comment [Redacted]: Received Guarantor Agreement not signed. Exception Remains. Seller Comment [Redacted]: Guaranty attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002417 | 35823268 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Securitization requires an interior inspection. | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: avm Seller Comment [Redacted]: appraisal |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002417 | 35823270 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | A secondary valuation was not provided (Note: A PCI is not a secondary valuation). | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002417 | 35845029 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: credit monitor attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002417 | 35845096 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | COC provided is not valid. Just states borrower paid discount points without a valid reasoning. | Reviewer Comment [Redacted]: [Redacted] received rate lock and as per AVM received for updated estimated price. Seller Comment [Redacted]: AVM value came in lower than estimated causing pricing adjustments for the increase in LTV, this affected the lender credits - see attached lock Reviewer Comment [Redacted]: [Redacted] Received COC dated [Redacted] does not provide sufficient information for removing of lender credit. In order to determine if the changed circumstance is valid more information is necessary on reason lender credit removed and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment [Redacted]: Notice of COCm |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002417 | 35845097 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | COC provided is not valid. Just states borrower paid discount points without a valid reasoning. | Reviewer Comment [Redacted]: [Redacted] received rate lock and as per AVM received for updated estimated price. Seller Comment [Redacted]: AVM was received [Redacted], please see attached lock - pricing changed due to lower value and increased CLTV Reviewer Comment [Redacted]: [Redacted] received rebuttal comment and AVM document. However, in order to re-baseline this exception, we also required supporting pricing document for the timeline is require and to provide supporting information on when lender become aware of the pricing changed or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment [Redacted]: I was not made aware of any tolerance cure. When the AVM was updated from the estimated value, the pricing changed on the rate. This was disclosed on a subsequent LE. I don't believe there should be any cure. Reviewer Comment [Redacted]: [Redacted] Received [Redacted] COC's dated [Redacted] does not provide sufficient information for increased discount point fee on CD dated [Redacted] and [Redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason discount ppoint fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment [Redacted]: Notice of change of circumstance |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002389 | 35838081 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded for increase in recording fees | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD, LOE and Payment history. Seller Comment [Redacted]: LOE provided Reviewer Comment [Redacted]: [Redacted] received PCCD and payment history, however we also require LOE which accompanied the PCCD to finalize. Seller Comment [Redacted]: payment history attached Reviewer Comment [Redacted]: [Redacted] received PCCD, however we also require payment history for principal reduction and LOE to cure the exception. Seller Comment [Redacted]: We did cure this one via a [Redacted]. It was added to the PCCD as such. Reviewer Comment [Redacted]: [Redacted] Received Copy of PCCD dated [Redacted] was already provided in file, As stated in earlier comment, require copy of payment history showing principal reduction applied to the loan and letter of explanation showing the changed made on PCCD. Seller Comment [Redacted]: attached Reviewer Comment [Redacted]: [Redacted]: As 'per TILA Section [Redacted] Correction - With Restitution Cure provided within [Redacted] days of discovery 1. Letter of Explanation (other evidence of borrower notification of the error will be considered.) 2. Proof of Refund or Principal Reduction or Loan Modification (if permissible - see Row [Redacted] of Remediation Considerations of [Redacted] [Redacted]) 3. Corrected PCCD or detailed LOE re-disclosing correct information. Seller Comment [Redacted]: what LOE ? what payment history the mortgage/? Reviewer Comment [Redacted]: [Redacted] received corrected PCCD adding $[Redacted] principal reduction for cure but missing LOE and payment history to verify the cure. Please provide missing docs to cure this exception. Seller Comment [Redacted]: Attached is the PCCD with the cure and Principal reduction added. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002389 | 35838082 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided at closing of $[Redacted], however no cure for increase in recording fee or valid COC | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Seller Comment [Redacted]: Cure of $[Redacted] was applied to CD at closing |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002379 | 35892743 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment [Redacted]: Provided e-sign consent agreement Seller Comment [Redacted]: e Seller Comment [Redacted]: E consent attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002419 | 35919551 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002419 | 35919563 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: secondary valuation not required due to loan amount, see section [Redacted] of guidelines. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002419 | 35919566 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Securitization requires an interior inspection. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Seller Comment [Redacted]: Lender wishes to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002419 | 35939408 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The COC provided does not give a valid reason as to why the credit report fee increased. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002419 | 35939412 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | [Redacted] is missing from second mortgagee | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: mortgagee updated Seller Comment [Redacted]: haz |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002419 | 35939431 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title reflects [Redacted] in address vs. all other documents. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: updated title Seller Comment [Redacted]: TPOL |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002430 | 35937697 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided from prior transaction. Lender/Client differs from note. Appraisal is not acceptable. Sec ID: 99 | Appraisal transfer letter is missing. | Reviewer Comment [Redacted]: Appraisal transfer letter provided. Seller Comment [Redacted]: Transfer letter Reviewer Comment [Redacted]: Missing appraisal transfer letter. Seller Comment [Redacted]: email transferer Seller Comment [Redacted]: compliance letter |
[Redacted] | No | 1 | D | A | A | A | D | A | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002430 | 36105932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||||||||||
| GCAT2026CES1002423 | 35957740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Reviewer Comment [Redacted]: A CDA was provided. Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: what do you need me to provide for this exception? |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002423 | 35957748 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002423 | 35957749 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | [Redacted] signed the RTC on [Redacted]. [Redacted] days rescission period not provided (dates on the form must be accurate regardless of disbursement date) | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Seller Comment [Redacted]: kindly advise Reviewer Comment [Redacted]: The exception can be cleared once the new rescission has expired. Seller Comment [Redacted]: attached Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Seller Comment [Redacted]: Please see email escrow provided the corrected ror Seller Comment [Redacted]: This is the correct from title please advise Reviewer Comment [Redacted]: Provide Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Seller Comment [Redacted]: corrected right to cancel Reviewer Comment [Redacted]: The expiration date on the RTC does not provide [Redacted] full days recission. Seller Comment [Redacted]: final SS on this (attached) showing the loan did disburse [Redacted] Reviewer Comment [Redacted]: TILA Rescission dates always include [Redacted] rather the Lender is open or not. [Redacted] signed on [Redacted] which only allows [Redacted] day of rescission the expiration date should have been midnight of Saturday [Redacted] and the loan should not have disbursed until [Redacted]. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form allowing a full 3 days of rescission. Seller Comment [Redacted]: Yes, lender considers [Redacted] Reviewer Comment [Redacted]: Please advise if lender considers Saturday a business day, if so, a lender attestation is required. Seller Comment [Redacted]: [Redacted] > This is a closing issue with the "Right to Cancel" disclosure. The co-borrower signed the disclosure on [Redacted], which does not meet the [Redacted] day rescission period. The question is. Do they include [Redacted]? If [Redacted] is included in the rescission then the funding date of [Redacted] is okay. If the investor does not include [Redacted], then we need to have a new Right of cancel disclosure form needs to be re-executed. Reviewer Comment [Redacted]: The same RTC was provided. Sandra signed on [Redacted] which did not allow for a full [Redacted] day right of recession. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Seller Comment [Redacted]: Right to cancel attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002423 | 35983952 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002361 | 35947410 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted]. Note P&I was used for the APR calculation and compliance testing. | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted]. Note P&I was used for the APR calculation and compliance testing. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: simple rate interest |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002361 | 35947412 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Reviewer Comment [Redacted]: Documentation provided, exception cleared. Buyer Comment [Redacted]: AVM in initial file- page [Redacted] |
[Redacted] 2:57:55 PM | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002361 | 35947413 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The provided statement does not include the Senior Lien P&I details. Please provide the Note - Senior Lien. Exception remains. Buyer Comment [Redacted]: statement is acceptable Reviewer Comment [Redacted]: Senior lien P&I information is not available on the provided document. Please provide the 'Note-Senior lien'. Exception remains. Buyer Comment [Redacted]: Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002394 | 35947445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval is missing in file. | Reviewer Comment [Redacted]: Provided [Redacted] approval Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002394 | 35947446 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to accept and waive. Buyer Comment [Redacted]: accept Reviewer Comment [Redacted]: Please accept exception as is. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Guides show loan amounts </= $[Redacted] only require a [Redacted]; subject loan $[Redacted]. There is a [Redacted] in file for $[Redacted], as well as an AVM supporting the value within a [Redacted]% variance $[Redacted]. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002394 | 35947448 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing 1st lien Note. | Reviewer Comment [Redacted]: Provided [Redacted]st lien Mortgage statement verifying balance Buyer Comment [Redacted]: statement |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002396 | 35947454 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | en Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002396 | 35947455 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] | BPO does not support value within [Redacted]% of the appraisal. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | B | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026CES1002396 | 35947456 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [Redacted] | Please accept as is. | Reviewer Comment [Redacted]: Client elects to accept and waive. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | B | Non QM | Non QM | No | |||||||||||||||||||
| GCAT2026CES1002387 | 35947521 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Complete escrow information is not given on the page [Redacted] of the CD. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see attached LOX Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: pccd Reviewer Comment [Redacted]: [Redacted] received PCCD. PCCD indicating non-escrowed closing costs of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax /$[Redacted] ins, hoa $[Redacted]) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002387 | 35947522 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Complete escrow information is not given on the page [Redacted] of the CD. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: final cd uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002387 | 35947523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Complete escrow information is not given on the page [Redacted] of the CD. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: final cd uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002392 | 35947539 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002392 | 35947540 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 56 | Reviewer Comment [Redacted]: Provided secondary valuation Buyer Comment [Redacted]: AVN Buyer Comment [Redacted]: avm |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002392 | 35947541 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is Missing in file. | Reviewer Comment [Redacted]: Received and associated Title Preliminary. Exception cleared. Buyer Comment [Redacted]: See preliminary title report. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002392 | 35947543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: See attached LOX Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see attached PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002392 | 35947544 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002392 | 35947545 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002392 | 35947546 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002392 | 35947547 | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. | Properties with more than [Redacted] acres is ineligible. Property has [Redacted] acres according to [Redacted] in file. Lender exception not in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive Buyer Comment [Redacted]: see exception provided Buyer Comment [Redacted]: See docs provided |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002392 | 35947548 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. The supporting secondary valuation does not support the qualifying value. Sec ID: 57 | The supporting secondary valuation does not support the qualifying value by [Redacted]% | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CDA |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002392 | 35947549 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. A secondary AVM was provided with FSD > [Redacted], and its value does not support the "Use for LTV" value. Sec ID: [Redacted] | A secondary AVM was provided with FSD > [Redacted], and its value does not support the "Use for LTV" value | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CDA |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002431 | 35947612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] does not reflect Estimated Taxes, Insurance, and Assessments payment. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Buyer Comment [Redacted]: [Redacted] PCCD Reviewer Comment [Redacted]: [Redacted] Received PCCD; however, provided PCCD reflects estimated property cost as $[Redacted] instead of $[Redacted] on page [Redacted]. Also, Estimated Taxes, Insurance and Assessments section on page [Redacted] is incomplete. Provide corrected PCCD and LOE with estimated property cost as $[Redacted] ($[Redacted]School tax, $[Redacted] Town Tax, $[Redacted] Flood insurance and $[Redacted]) on page [Redacted] and complete page [Redacted] or documents to support updated amounts used. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002431 | 35947613 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are under disclosed. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: [Redacted] Received PCCD; however, provided PCCD reflects estimated property cost as $[Redacted] instead of $[Redacted]on page [Redacted]. Also, Estimated Taxes, Insurance and Assessments section on page [Redacted] is incomplete. Provide corrected PCCD and LOE with estimated property cost as $[Redacted]($[Redacted]School tax, $[Redacted] Town Tax, $[Redacted] Flood insurance and $[Redacted]) on page [Redacted] and complete page [Redacted]. Buyer Comment [Redacted]: PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002431 | 35947614 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: [Redacted] Received PCCD; however, provided PCCD reflects estimated property cost as $[Redacted] instead of $[Redacted] on page [Redacted]. Also, Estimated Taxes, Insurance and Assessments section on page [Redacted] is incomplete. Provide corrected PCCD and LOE with estimated property cost as $[Redacted] ($[Redacted]School tax, $[Redacted]Town Tax, $[Redacted] Flood insurance and $[Redacted]) on page [Redacted] and complete page [Redacted]. Buyer Comment [Redacted]: PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002431 | 35947615 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] does not disclose the reason why the loan will not have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Buyer Comment [Redacted]: PCCD Reviewer Comment [Redacted]: [Redacted] Received PCCD; however, provided PCCD reflects estimated property cost as $[Redacted] instead of $[Redacted] on page [Redacted]. Also, Estimated Taxes, Insurance and Assessments section on page [Redacted] is incomplete. Provide corrected PCCD and LOE with estimated property cost as $[Redacted] ($[Redacted]School tax, $[Redacted] Town Tax, $[Redacted] Flood insurance and $[Redacted]) on page [Redacted] and complete page [Redacted]. Buyer Comment [Redacted]: CD Reviewer Comment [Redacted]: [Redacted] received rebuttal, however while the actual collection of escrows on [Redacted] liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). PCCD, LOE, and proof of mailing required to cure. Buyer Comment [Redacted]: This is a [Redacted] and the 1st Lien holds the escrows |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002431 | 35947617 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. | Reviewer Comment [Redacted]: Provided valid CDA supporting value Buyer Comment [Redacted]: CDA |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002431 | 35947618 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum fico score per guidelines is [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] years same job | Aggregator,[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: see attached exception approved Buyer Comment [Redacted]: Primary borrower ([Redacted]) earns [Redacted]% of the qualifying income- fico is [Redacted] Reviewer Comment [Redacted]: The mid score was used and it does not meet minimum credit score requirements, exception remains. Buyer Comment [Redacted]: based on average median credit score of [Redacted]. Per the Credit Score and Report requirements in our Closed End Second program guidelines, The middle score will be used (or the lowest of the two when only two scores are available) and we defer to Fannie Mae Selling Guide for all other credit requirements. Per FNMA's guidelines, the average median credit score is used in place of the representative credit score for manually underwritten transactions. [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1002451 | 35947624 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002447 | 35947627 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Provided title with appropriate coverage Buyer Comment [Redacted]: see attached title |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002447 | 35947630 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | ATR risk due to DTI. Approved lender exception for DTI to [Redacted]% in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002447 | 35947631 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Lender exception file file for DTI up to [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002449 | 35947632 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to accept and waive. Buyer Comment [Redacted]: accept as is- [Redacted]lien |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002444 | 35947636 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002448 | 35947639 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to accept and waive. Buyer Comment [Redacted]: accept as is- [Redacted] lien Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002450 | 35947641 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser order confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002450 | 35947642 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser order confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002446 | 35947646 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing VVOE and 2 years W2's. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment [Redacted]: Both types of voe are uploaded in [Redacted]- Credit report: pages [Redacted]. Page [Redacted] of lender's guides states VOEs or paystubs & W-2s. What is in file meets that requirement. Thanks Buyer Comment [Redacted]: * |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002446 | 35947647 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing VVOE and 2 years W2's. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment [Redacted]: See [Redacted] party WVOE & VVOE attached to *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002446 | 35947648 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing VVOE and 2 years W2's. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002446 | 35947649 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment [Redacted]: Please see attached written ([Redacted] ) and Verbal ([Redacted]) [Redacted] party verifications of employment & final YTD paystub(s) for [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002446 | 35947650 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] party VVOE dated [Redacted] is page [Redacted] in [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002446 | 35947651 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing VVOE and 2 years W2's. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Required [Redacted] years W2's for [Redacted]. Reviewer Comment [Redacted]: Required [Redacted] years W2's for [Redacted]. Exception Remains. Buyer Comment [Redacted]: See *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002438 | 35947654 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds [Redacted] %, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | [Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002438 | 35947655 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | [Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002442 | 35947666 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment [Redacted]: Received and associated Award Letter. Exception Cleared Buyer Comment [Redacted]: see attached disability income letter |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002442 | 35947669 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted]% is equal to or greater than the threshold of [Redacted]%. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002442 | 35947671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. | Reviewer Comment [Redacted]: Received and associated Award Letter. Exception Cleared Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002442 | 35947672 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | The loan is at ATR Risk due to missing income documentation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of ATR Risk. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002413 | 35984066 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: Please waive risk grade [Redacted] |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002433 | 35984819 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted] . No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Seller Comment [Redacted]: Lock was updated and COC sent due to exception was added to the loan, this changed the lender credits. Reviewer Comment [Redacted]: [Redacted] Received COC dated [Redacted] states lender credit updated is not a valid reason. Provide detailed reason for decreased in lender credit or cure is due. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. Seller Comment [Redacted]: Final CD showing credit Seller Comment [Redacted]: Notice of change of circurance with final jCD showing the lender credit Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason credit decreased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment [Redacted]: COC |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002433 | 35998603 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lener requested exception to payoff an existing subordinate lien with less than [Redacted] months required seasoning. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] [Redacted] [Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Seller Comment [Redacted]: ATTACHED |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002457 | 35986128 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Seller Comment [Redacted]: Lender wishes to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002457 | 35986129 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Seller Comment [Redacted]: Lender wishes to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002457 | 35986296 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording | Reviewer Comment [Redacted]: Provided [Redacted] Cert of Exemption Seller Comment [Redacted]: doc provided Reviewer Comment [Redacted]: [Redacted] Predatory Lending Database Program (SB [Redacted]) - Certificate of Compliance or Exemption is required, exception remains. Seller Comment [Redacted]: this is a refinance, cert of compliance does not apply |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002457 | 35986297 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received [Redacted] CD received [Redacted] business days prior to consummation. Seller Comment [Redacted]: [Redacted] Seller Comment [Redacted]: [Redacted], viewed [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002408 | 35986687 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] did not disclose a reason for not having an escrow account on page [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received PCCD and LOE Seller Comment [Redacted]: Escrow waiver attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002408 | 35986688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. INo valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment [Redacted]: There is already a cure CD in the file with evidence of refund to the borrower $[Redacted]. This is filed in the Signed Closing Documents folder named "PCCD with cure" FYI - The credit report tolerance was only $[Redacted] due to rounding on the initial LE. The original credit report charge was $[Redacted] and the final was $[Redacted]. Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, copy of refund check and proof of mailing. However, copy of check received for $[Redacted] and cure provided on PCCD is $[Redacted]. Please provide updated PCCD with correct cure amount as $[Redacted] was provided at closing and $[Redacted] check received Seller Comment [Redacted]: COC |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002408 | 35986689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment [Redacted]: There is already a cure CD in the file with evidence of refund to the borrower $[Redacted]. This is filed in the Signed Closing Documents folder named "PCCD with cure" FYI - The credit report tolerance was only $[Redacted] due to rounding on the initial LE. The original credit report charge was $[Redacted] and the final was $[Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002408 | 36103007 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within [Redacted] Days of Closing |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1002408 | 36103008 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within [Redacted] Days of Closing |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1002424 | 36007996 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: The same AVM used was provided. Seller Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002424 | 36007997 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: AVM attached |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002455 | 36049453 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: Received a letter of explanation for credit inquiries within [Redacted] days prior to loan closing. . Exception cleared. Seller Comment [Redacted]: simerpreet Seller Comment [Redacted]: Shiv |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002432 | 36063732 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: The UDM was provided. Reviewer Comment [Redacted]: A Gap Credit Report or an Undisclosed Debt Monitoring (UDM) report is required within [Redacted] days prior to loan closing or after closing. Exception remains. Seller Comment [Redacted]: Attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002422 | 36065749 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: please clear Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: merged Seller Comment [Redacted]: appraisal |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002422 | 36065753 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: please clear Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: merged |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002381 | 36045905 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel is on Form H-9 however, the Title Search verifies the first lien mortgage is in the name of the same lender, but there is not a 2nd being paid off thru closing. Right to Cancel should be on Form H-8. | Reviewer Comment [Redacted]: Docs provided. Buyer Comment [Redacted]: see attached docs Reviewer Comment [Redacted]: LOE with proof of delivery was not found. Buyer Comment [Redacted]: see attached docs Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery. Buyer Comment [Redacted]: see attached updated H8 Reviewer Comment [Redacted]: H-9 form provided again, need H-8 form. Buyer Comment [Redacted]: RTOC Reviewer Comment [Redacted]: The 1st and 2nd lien are separate and not the same transaction. A Form H-8 is required when no there is no previous 2nd lien. Buyer Comment [Redacted]: see [Redacted] for original note reflecting same creditor on original transaction as current transaction to clear since H-9 form utilized |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002381 | 36045906 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Copy of the Senior Note not provided in the file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached note |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002381 | 36045907 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - | Notary Fee reflects "Need payee" | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002397 | 36045908 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. A secondary AVM was provided with FSD > [Redacted], and its value supports the "Use for LTV" value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: A CDA was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002441 | 36045914 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted]. There was a lender credit to cover the cost to cure. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment [Redacted]: see attached pccd docs |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002441 | 36045916 | Credit | Guideline | Guideline Issue | Guideline | DTI Exceeds Guidelines. | DTI: ___ | Per guidelines, an exception is required to go to [Redacted]% DTI. | Borrower has verified disposable income of at least $[Redacted]. | Residual income $[Redacted] | [Redacted],Aggregator | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002441 | 36070071 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing evidence of the [Redacted] charge-off with a balance of $[Redacted] being paid off at or prior to closing. | Borrower has verified disposable income of at least $[Redacted]. | Residual income $[Redacted] | [Redacted],Aggregator | Reviewer Comment [Redacted]: Post close lender exception provided. Seller Comment [Redacted]: Approved exception Reviewer Comment [Redacted]: Per the [Redacted] guidelines, the only collections/charge-offs that do not have to be paid off are is if an individual account is less than $[Redacted] or the total balance of all accounts is $[Redacted] or less. You can provide a lender exception and waive this down to a [Redacted] grade with comp factors. Seller Comment [Redacted]: Please cancel. After discussing with Credit Policy this loan meets guidelines without paying off the [Redacted] Charge-Off. According to section [Redacted], Consumer Credit Charge-Offs and Collections, Credit Card Charge-Offs will not become a lien and cloud title, so they are allowed to remain open if the borrower has documented reserves covering the balance. According to the Closed 2nd Lien product matrix there is no reserve requirement for Cash-out transactions and borrower received $[Redacted] at closing, which is more than enough to cover the charged-off credit card balance. Please cancel. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002445 | 36045918 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender exception approved for max DTI of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002445 | 36045919 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002415 | 36045923 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Reason [Redacted] not checked. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: See attached LOX |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002462 | 36079804 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002462 | 36080106 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002462 | 36084645 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002462 | 36195325 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002425 | 36073362 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the supporting secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002425 | 36073365 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the supporting secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: AVM |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002425 | 36075654 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Seller Comment [Redacted]: updated lox Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. LOE incorrectly stated that a cure was provided for [Redacted]% tolerance fees. Upon review of the finalized PCCD, no tolerance cure has been issued, and no cure amount is reflected on the PCCD. Also, Escrow Account Section - LOE did not adequately describe updates made to the escrow account section of the PCCD. The PCCD has been revised to accurately reflect escrow account information on page [Redacted] and [Redacted]. Provide updated LOE which properly documents the escrow-related revisions made on PCCD Page [Redacted] and Page [Redacted]. Seller Comment [Redacted]: LOX Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD; however, LOE to borrower not received. Provide LOE to borrower. Seller Comment [Redacted]: PCCD has been updated and sent to borrower Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This loan is a 2nd mortgage and is not subject to escrows or escrow waivers, only first lien mortgages collect for escrows. These conditions do not apply at all to this lien or loan. Thank you |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002425 | 36075655 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted]are under disclosed | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: lox Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. LOE incorrectly stated that a cure was provided for [Redacted]% tolerance fees. Upon review of the finalized PCCD, no tolerance cure has been issued, and no cure amount is reflected on the PCCD. Also, Escrow Account Section - LOE did not adequately describe updates made to the escrow account section of the PCCD. The PCCD has been revised to accurately reflect escrow account information on page [Redacted] and [Redacted]. Provide updated LOE which properly documents the escrow-related revisions made on PCCD Page [Redacted] and Page [Redacted]. Seller Comment [Redacted]: LOX Reviewer Comment [Redacted]: [Redacted] Received LOE and PCCD; however, provided LOE does not specify the changes made on PCCD related to escrow account section on page [Redacted] and [Redacted]. Provide updated LOE. Seller Comment [Redacted]: LOX Reviewer Comment [Redacted]: [Redacted] received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation. Seller Comment [Redacted]: [Redacted] > PCCD has been updated and sent to borrower. Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This loan is a 2nd mortgage and is not subject to escrows or escrow waivers, only first lien mortgages collect for escrows. These conditions do not apply at all to this lien or loan. Thank you Reviewer Comment [Redacted]: [Redacted] Received Final CD dated [Redacted] is already present in file; however, provided CD missing estimated taxes, Insurance and Assessment on page [Redacted] and estimated property cost over year [Redacted] on page [Redacted]. Provide Corrected PCCD and LOE with requested changes. Seller Comment [Redacted]: CD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002425 | 36075656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: updated LOX Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. LOE incorrectly stated that a cure was provided for [Redacted]% tolerance fees. Upon review of the finalized PCCD, no tolerance cure has been issued, and no cure amount is reflected on the PCCD. Also, Escrow Account Section - LOE did not adequately describe updates made to the escrow account section of the PCCD. The PCCD has been revised to accurately reflect escrow account information on page [Redacted] and [Redacted]. Provide updated LOE which properly documents the escrow-related revisions made on PCCD Page [Redacted] and Page [Redacted]. Seller Comment [Redacted]: LOX ATTACHED Reviewer Comment [Redacted]: [Redacted] Received LOE and PCCD; however, provided LOE does not specify the changes made on PCCD related to escrow account section on page [Redacted] and [Redacted]. Provide updated LOE. Seller Comment [Redacted]: LOX and POS attached Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This loan is a 2nd mortgage and is not subject to escrows or escrow waivers, only first lien mortgages collect for escrows. These conditions do not apply at all to this lien or loan. Thank you Reviewer Comment [Redacted]: [Redacted] Received Final CD dated [Redacted] is already present in file; however, provided CD missing estimated taxes, Insurance and Assessment on page [Redacted] and estimated property cost over year [Redacted] on page [Redacted]. Provide Corrected PCCD and LOE with requested changes. Seller Comment [Redacted]: cd |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002425 | 36075657 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: updated LoX Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. LOE incorrectly stated that a cure was provided for [Redacted]% tolerance fees. Upon review of the finalized PCCD, no tolerance cure has been issued, and no cure amount is reflected on the PCCD. Also, Escrow Account Section - LOE did not adequately describe updates made to the escrow account section of the PCCD. The PCCD has been revised to accurately reflect escrow account information on page [Redacted] and [Redacted]. Provide updated LOE which properly documents the escrow-related revisions made on PCCD Page [Redacted] and Page [Redacted]. Reviewer Comment [Redacted]: [Redacted] Received LOE and PCCD; however, provided LOE does not specify the changes made on PCCD related to escrow account section on page [Redacted] and [Redacted]. Provide updated LOE. Seller Comment [Redacted]: LOX attached Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This loan is a 2nd mortgage and is not subject to escrows or escrow waivers, only first lien mortgages collect for escrows. These conditions do not apply at all to this lien or loan. Thank you Reviewer Comment [Redacted]: [Redacted] Received Final CD dated [Redacted] is already present in file; however, provided CD missing estimated taxes, Insurance and Assessment on [Redacted] and estimated property cost over year [Redacted] on page [Redacted]. Provide Corrected PCCD and LOE with requested changes. Seller Comment [Redacted]: Final CD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002425 | 36081605 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002437 | 36086388 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Payment history and Corrected CD. Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and Payment history; however, LOE not received. Provide LOE to borrower. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002435 | 36083194 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Reviewer Comment [Redacted]: An AVM was provided. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002435 | 36083268 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment [Redacted]: [Redacted] Received supporting documents for pricing change along with rate lock. Seller Comment [Redacted]: UW exception was added on [Redacted] this changed the lender credits - see attached lock and lender exception |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002435 | 36083270 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment [Redacted]: This is reflected on the final CD signed at closing |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002435 | 36098676 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002435 | 36098686 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. | Rural subject properties are ineligible for the NQM Flex Equity Income product | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: We are missing a lender exception for the property being rural, which is not allowed per guides. Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: Exceptions are not for subject being rural. Seller Comment [Redacted]: ATTACHED |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002435 | 36098689 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Properties greater than [Redacted] acres. Lender exception in file. Client must approve. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Seller Comment [Redacted]: ATTACHED |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1002435 | 36098774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Second lien being paid off was just opened [Redacted] which is < [Redacted] months seasoning. Lender exception in file. Client must approve. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income. LTV is [Redacted]% below guideline max. |
[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Seller Comment [Redacted]: Attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002435 | 36098788 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002435 | 36208820 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | D | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1002436 | 36082475 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002436 | 36082484 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002470 | 36093035 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002470 | 36093218 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure is missing Estimated Taxes, Insurance, and Assessments payment. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Reviewer Comment [Redacted]: [Redacted] received PCCD. PCCD indicating escrowed closing costs of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted]tax/$[Redacted]ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Seller Comment [Redacted]: PCCD, LOX, audit trail Seller Comment [Redacted]: pccd, lox Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This is a second mortgage that was completed - so escrows would not be held as they are held with the 1st mortgage. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002470 | 36093250 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Reviewer Comment [Redacted]: [Redacted] received PCCD. PCCD indicating escrowed closing costs of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted]tax/$[Redacted]ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This is a second mortgage that was completed - so escrows would not be held as they are held with the 1st mortgage |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002470 | 36093252 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment [Redacted]: While the actual collection of escrows on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4). Seller Comment [Redacted]: This is a second mortgage that was completed - so escrows would not be held as they are held with the 1st mortgage |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002470 | 36093253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] does not disclose the reason there will not be an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: PCCD, LOX, audit trail Seller Comment [Redacted]: pccd, lox |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002470 | 36096239 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002470 | 36096372 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing gap credit or Undisclosed Debt Monitoring report dated no more than 10 days prior to loan closing or any time after closing. |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: UDM provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002434 | 36093273 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three business days of application. | Reviewer Comment [Redacted]: [Redacted] Received earliest E-Consent dated [Redacted]. Seller Comment [Redacted]: Borrower e-consented day LE was sent [Redacted], and app date was [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002454 | 36093301 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: CD and LoX Reviewer Comment [Redacted]: [Redacted] received duplicate of CD dated [Redacted], however we require corrected PCCD as Closing Disclosure provided did not designate a reason on Page [Redacted]" Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Seller Comment [Redacted]: CD atttached Reviewer Comment [Redacted]: [Redacted] received CD dated [Redacted], however Closing Disclosure did not designate a reason on Page [Redacted]" Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Seller Comment [Redacted]: CD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002461 | 36101864 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of earlier receipt not provided | Reviewer Comment [Redacted]: [Redacted] received e-consent dated [Redacted] Seller Comment [Redacted]: Accepted by Lawrence [Redacted] on [Redacted] from [Redacted]using Consumer Connect Seller Comment [Redacted]: e concent Accepted by [Redacted]([Redacted]) on [Redacted] from [Redacted] using Consumer Connect |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002461 | 36101867 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD were provided. Seller Comment [Redacted]: PCCD w cure Seller Comment [Redacted]: refund check cashed by borr Seller Comment [Redacted]: check cashed Reviewer Comment [Redacted]: [Redacted] received email communication, however we require tracking information or proof of mailing can accept cancelled refund check or borrower attestation that they received refund & amount received. Seller Comment [Redacted]: check was sent however not cashed you have a copy of the copy and a corrected CD see attached email from accountin g Reviewer Comment [Redacted]: [Redacted] received email confirmation that they sent the cure document via regular [Redacted] mail by accounting. However, the tracking details was not provided in the loan file to verify the cure package received or sent out from shipping. Hence, we also required proof of mailing label or provided confirmation on email from borrower that they received copy of check in order to cure this exception. Along with required corrected CD with refund cure. Seller Comment [Redacted]: accounitng confirm check was sent Reviewer Comment [Redacted]: [Redacted] received copy of refund check. However, proof mailing to borrower was not located in the trailing image. Proof of mailing is required to complete remediation. Seller Comment [Redacted]: copy of check attached Reviewer Comment [Redacted]: [Redacted] received LOE, however missing copy of refund check, LOE and proof of mailing. Please provide LOE, copy of refund check & proof of mailing to cure the exception. Seller Comment [Redacted]: CD and LOX Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Credit report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. " Seller Comment [Redacted]: COC attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002461 | 36101883 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Securitization requires an interior inspection | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive as is Seller Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is, exception is for no interior photos. Seller Comment [Redacted]: AVM attached |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002461 | 36118590 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | The pre- and post- close HOI policies do not reflect the 2nd mortgagee + ISAOA. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: HOI invoice and corrected HOI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002461 | 36118596 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The pre- close HOI does not have the correct city. This was corrected on the post- close policy. Provide the agent email that no claims have been filed since closing. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: corrected HOI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002461 | 36118641 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: Received and associated Undisclosed Debt Monitoring report. Exception cleared. Seller Comment [Redacted]: credit monitor disclosure attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002461 | 36195359 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002483 | 36128239 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: exterior Seller Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002483 | 36128240 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: AVM |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002483 | 36140052 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: LQDM report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002409 | 36148658 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002409 | 36148662 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002464 | 36171757 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: EV2 please clear |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002464 | 36171769 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Securitization requires an interior inspection. | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: EV2 please clear |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002464 | 36171774 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Page [Redacted] of the Final CD does not reflect the estimated taxes, insurance & assessments. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: [Redacted] received Tax Certificate, Corrected PCCD however, missing LOE to borrower. Seller Comment [Redacted]: Taxes are [Redacted] Ins is $[Redacted]= [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax/ $[Redacted] ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002464 | 36171775 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Page [Redacted] of the Final CD does not reflect the Non-Escrowed Property costs over [Redacted] year | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: [Redacted] received Tax Certificate, Corrected PCCD however, missing LOE to borrower. Seller Comment [Redacted]: Taxes are [Redacted] Ins is $[Redacted]= [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax/ $[Redacted] ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002464 | 36171776 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Page [Redacted] of the Final CD does not reflect a reason why an escrow account was not established. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Seller Comment [Redacted]: ATTACHED Reviewer Comment [Redacted]: [Redacted] received Tax Certificate, Corrected PCCD however, missing LOE to borrower. Seller Comment [Redacted]: Taxes are [Redacted] Ins is $[Redacted]= [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax/ $[Redacted]ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Seller Comment [Redacted]: Attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002464 | 36192891 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: A Gap Credit Report or an Undisclosed Debt Monitoring (UDM) report is received within [Redacted] days prior to loan closing or after closing. Exception Cleared. Seller Comment [Redacted]: UDM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002485 | 36171906 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Securitization requires an interior inspection | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: Lender accepts risk grade [Redacted]. Please waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002485 | 36193781 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment [Redacted]: Provided UDM report reflecting no events have been reported within [Redacted] days of Note Seller Comment [Redacted]: UDM provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002485 | 36195384 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: Lender accepts risk grade [Redacted]. Please waive |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002469 | 36172104 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Primary Appraisal not provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002469 | 36172105 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002481 | 36231496 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Seller Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: PCR Seller Comment [Redacted]: avm |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002481 | 36240633 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002418 | 36230709 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Property owned [Redacted] years $[Redacted] residual income. DTI is [Redacted]% below guideline max. |
[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: Approval attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002418 | 36230712 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note address is [Redacted]. Valuation address is [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: compliance letter from appraisal company |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002418 | 36269495 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] of the [Redacted] subject's units are less than [Redacted] square feet, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Property owned [Redacted] years $[Redacted] residual income. DTI is [Redacted]% below guideline max. |
[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002484 | 36257495 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: title Reviewer Comment [Redacted]: Title still reflects incorrect title insurance amount, exception remains. Seller Comment [Redacted]: revised report |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002484 | 36257496 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: avm |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002484 | 36257498 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: avm Seller Comment [Redacted]: property inspection |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002484 | 36257572 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Missing proof of payment that was POC to HOI in the amount of $[Redacted]. | Reviewer Comment [Redacted]: Received Invoice for POCB $[Redacted]. Exception Cleared. Seller Comment [Redacted]: escow paid Seller Comment [Redacted]: paid |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002484 | 36257579 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Seller Comment [Redacted]: COC and CDS |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002484 | 36257580 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Seller Comment [Redacted]: CD Reviewer Comment [Redacted]: [Redacted] Received CD dated [Redacted] is already present in file; however, file is missing corresponding CD for COC dated [Redacted]. Provide corresponding CD for COC dated [Redacted]. Seller Comment [Redacted]: CD attached Reviewer Comment [Redacted]: [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide CD for further analysis. Seller Comment [Redacted]: COC |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002749 | 36265717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002749 | 36265718 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002465 | 36268962 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: AVM |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002465 | 36268964 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: Please accept as is. Seller Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002568 | 36283032 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002568 | 36283033 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002568 | 36283074 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002568 | 36283342 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[Redacted] is less than Guideline Overlay minimum loan amount of $[Redacted]. UW Overlay provided Item #10 shows a minimum loan amount of $[Redacted]. | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Reviewer Comment [Redacted]: Lender exception in file is not for loan amount. Seller Comment [Redacted]: Lender already made exception with this loan amount, see lender approval |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002568 | 36283450 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for lack of required seasoning of [Redacted] months on 2nd mortgage. Approval in file. | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002751 | 36274925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Appraisal from prior transaction was in file.No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002751 | 36275370 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1st lien isn't seasoned for 6 months. The note date is [Redacted] so 6 months would be [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002556 | 36275729 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002556 | 36275731 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002482 | 36285819 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accetps as is. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002420 | 36290076 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: Signed final 1003 does show investment |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | |||||||||||||||||
| GCAT2026CES1002420 | 36290077 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: AVM provided. Buyer Comment [Redacted]: only avm required per guides. [Redacted] property condition report & avm uploaded is within [Redacted] days of note date |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | |||||||||||||||
| GCAT2026CES1002420 | 36290078 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: PDI provided, exception cleared. Buyer Comment [Redacted]: inspection Reviewer Comment [Redacted]: The property inspection states the subject was not visible. Buyer Comment [Redacted]: exterior inspection in file. avm/property inspection report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | |||||||||||||||
| GCAT2026CES1002420 | 36290079 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing. | Reviewer Comment [Redacted]: Received and associated AVM. Exception cleared. Buyer Comment [Redacted]: see [Redacted]* Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | ||||||||||||||
| GCAT2026CES1002420 | 36290080 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See doc attached to *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | |||||||||||||
| GCAT2026CES1002420 | 36290081 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing rent free letter. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: rent free letter. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | ||||||||||||||
| GCAT2026CES1002420 | 36290082 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Reviewer Comment [Redacted]: AVM provided. Buyer Comment [Redacted]: AVM- VeroValue Buyer Comment [Redacted]: Loan has a PIW. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | N/A | No | ||||||||||||||||||||
| GCAT2026CES1002380 | 36290095 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Financed Fees | [Redacted] High-Cost Loan: Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted]. | Reviewer Comment [Redacted]: [Redacted] received third party invoices for title fees. Reviewer Comment [Redacted]: The settlement statement does not satisfy the exception, exception remains. Buyer Comment [Redacted]: true and certified copy of final ss Reviewer Comment [Redacted]: we are excluding a portion of the loan discounts based on the undiscounted rate and price that was entered. However, points and fees still exceed the max allowable. In terms of excluding additional third-party fees, [Redacted] law only allows third party fees to be excluded if they are bona fide and reasonable. The rule goes on to say ""All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees." As you can see from the list above, we have the invoices for the appraisal and credit report and therefore there is a corresponding offset to remove those fees from the calculations. If similar invoices (or substantially similar documentation) can be provided to support the other third party title costs, they may also be eligible for exclusion but an invoice or substantially similar document is required to support the amount charged. Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: see *[Redacted] Reviewer Comment [Redacted]: The rate lock documentation provided does not show where the rate started. We know there were discount points paid on the loan to get to the Note Rate of [Redacted]%. The two additional pieces of information we need to consider exclusion for some or all of the discount points is: [Redacted] what was the Undiscounted Starting Rate from which the rate was bought down?; and [Redacted] what was the price to obtain that Undiscounted Starting Rate? When we have these additional data points, we can then make a determination if, under [Redacted] law, any of the loan discounts are eligible to be considered as "bona fide" and therefore excludable. Without the data points, we're unable to determine whether the points paid actually resulted in a bona fide reduction of the rate. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The new docs provided appear to be related to rate determination and pricing, however the undiscounted rate and price would not resolve the high cost failure, as no discount points are eligible for exclusion for this loan. [Redacted], not APOR in the bona fide discount point evaluation and the interest rate ([Redacted]%) exceeds UST ([Redacted]%) by more than [Redacted]%. For [Redacted] points and fees, "bona fide discount points" means an amount knowingly paid by the borrower for the express purpose of reducing, and which in fact does result in a bona fide reduction of, the interest rate applicable to the home loan; provided the undiscounted interest rate for the home loan does not exceed the most recently published annual yield on conventional mortgages, published by the board of governors of the Federal Reserve System, by [Redacted] percentage points for a first lien mortgage or [Redacted]% for a subordinate lien. [Redacted]. A point is presumed to be a bona fide loan discount point if it reduces the interest rate by a minimum of [Redacted] of a point provided all other terms of the loan remain the same.For [Redacted] points and fees, "bona fide discount points" means an amount knowingly paid by the borrower for the express purpose of reducing, and which in fact does result in a bona fide reduction of, the interest rate applicable to the home loan; provided the undiscounted interest rate for the home loan does not exceed the most recently published annual yield on conventional mortgages, published by the board of governors of the Federal Reserve System, by [Redacted] percentage points for a first lien mortgage or [Redacted]% for a subordinate lien. [Redacted]. A point is presumed to be a bona fide loan discount point if it reduces the interest rate by a minimum of [Redacted] of a point provided all other terms of the loan remain the same. Buyer Comment [Redacted]: Please see rate stack, lender is stating discount points excluded as bona fide Reviewer Comment [Redacted]: The following points and fees were included in the [Redacted] HLPA calculation: $[Redacted] Condo Questionnaire, $[Redacted] discount points, $[Redacted] processing fee, $[Redacted] signing fee, $[Redacted] title abstract, $[Redacted] CPL, $[Redacted] title endorsement, $[Redacted] title examination, $[Redacted] title insurance, $[Redacted] tax verification, and $[Redacted] underwriting, for a total of $[Redacted], which exceeds [Redacted]% of the $[Redacted] total loan amount ($[Redacted]) by $[Redacted]. The [Redacted] points and fees definitions do not mirror Federal HOEPA and can be found under [Redacted]. The following fees may be excluded if third party invoices are received. This would leave an overage of $[Redacted]. $[Redacted] title abstract $ [Redacted] title endorsement $[Redacted] title examination $[Redacted] title insurance $[Redacted] tax verification (if for one-time tax certification purposes) If any additional fees should be considered for exclusion, please provide third party invoices and an explanation of the purpose of each fee for further review. While the final rule of the [Redacted] allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including title insurance premiums, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file". Although the rule does not require invoices to be maintained in each individual loan file, to ensure compliance with the law, [Redacted], as a [Redacted], would need to demonstrate that third party fees "do not exceed the amounts charged" by the provider for the service being rendered. We have historically tested for this requirement, on a per loan basis, by requiring documentary support for third party fees charged which could take the form of service provider invoices, monthly billing statements, or master service agreements. Obtaining such documentation would further support the amounts paid by borrower do not exceed the amounts charged, thereby allowing for the exclusion of said fees as meeting the state's bona fide and reasonable standard. Based on our discussions with our counsel on this matter over the years, they have advised that these fees may be considered for exclusion provided the amounts charged to the borrower can be verified via an invoice or similar third-party document that supports the actual cost of the fee. Unfortunately, the cure period ([Redacted] days from consummation) expired on [Redacted]. Buyer Comment [Redacted]: per lender- we charged only $[Redacted] which is within allowable limit of [Redacted]% of the Total Loan Amount. Also, compliance report submitted in portal is showing as High Cost as Pass. Please review and waive the condition |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002380 | 36290096 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Home Loan Protection Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment [Redacted]: [Redacted] received third party invoices for title fees. Buyer Comment [Redacted]: invoice Buyer Comment [Redacted]: lender reached out to [Redacted]- please see attached Reviewer Comment [Redacted]: While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including title insurance premiums, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file". Although the rule does not require invoices to be maintained in each individual loan file, to ensure compliance with the law, [Redacted], as a [Redacted], would need to demonstrate that third party fees "do not exceed the amounts charged" by the provider for the service being rendered. We have historically tested this requirement, on a per loan basis, by requiring documentary support for third party fees charged which could take the form of service provider invoices, monthly billing statements, or master service agreements. Obtaining such documentation would further support the amounts paid by borrower do not exceed the amounts charged, thereby allowing for the exclusion of said fees as meeting the state's bona fide and reasonable standard. An ALTA Settlement Statement would not be considered a third-party invoice or substantially similar document for purposes of the Record-Keeping section of the [Redacted] Home Loan Protection Act. The Final Regulations provide that in order to be considered "bona fide and reasonable", a fee may not exceed the amount actually charged by the applicable service provider. Although the settlement statement provides evidence of the amounts charged to the borrower, it would not be considered a source document to evidence the actual cost of each fee charged by the service provider. Based on our discussions with our counsel on this matter over the years, they have advised that these fees may be considered for exclusion provided the amounts charged to the borrower can be verified via an invoice or similar third-party document that supports the actual cost of the fee. Buyer Comment [Redacted]: see attached final [Redacted]- in conjunction with email sent to escalate Reviewer Comment [Redacted]: unable to cure Buyer Comment [Redacted]: add'l rate info Buyer Comment [Redacted]: see *[Redacted] Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: The rate lock documentation provided does not show where the rate started. We know there were discount points paid on the loan to get to the Note Rate of [Redacted]%. The two additional pieces of information we need to consider exclusion for some or all of the discount points is: [Redacted] what was the Undiscounted Starting Rate from which the rate was bought down?; and [Redacted] what was the price to obtain that Undiscounted Starting Rate? When we have these additional data points, we can then make a determination if, under [Redacted] law, any of the loan discounts are eligible to be considered as "bona fide" and therefore excludable. Without the data points, we're unable to determine whether the points paid actually resulted in a bona fide reduction of the rate. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The new docs provided appear to be related to rate determination and pricing, however the undiscounted rate and price would not resolve the high cost failure, as no discount points are eligible for exclusion for this loan. [Redacted] uses UST, not APOR in the bona fide discount point evaluation and the interest rate ([Redacted]%) exceeds UST ([Redacted]%) by more than [Redacted]%. For [Redacted] points and fees, "bona fide discount points" means an amount knowingly paid by the borrower for the express purpose of reducing, and which in fact does result in a bona fide reduction of, the interest rate applicable to the home loan; provided the undiscounted interest rate for the home loan does not exceed the most recently published annual yield on conventional mortgages, published by the board of governors of the Federal Reserve System, by [Redacted] percentage points for a first lien mortgage or [Redacted]% for a subordinate lien. [Redacted]. A point is presumed to be a bona fide loan discount point if it reduces the interest rate by a minimum of [Redacted] of a point provided all other terms of the loan remain the same.For [Redacted] points and fees, "bona fide discount points" means an amount knowingly paid by the borrower for the express purpose of reducing, and which in fact does result in a bona fide reduction of, the interest rate applicable to the home loan; provided the undiscounted interest rate for the home loan does not exceed the most recently published annual yield on conventional mortgages, published by the board of governors of the Federal Reserve System, by [Redacted] percentage points for a first lien mortgage or [Redacted]% for a subordinate lien. [Redacted]. A point is presumed to be a bona fide loan discount point if it reduces the interest rate by a minimum of [Redacted]of a point provided all other terms of the loan remain the same. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: The following points and fees were included in the [Redacted] HLPA calculation: $[Redacted]Condo Questionnaire, $[Redacted] discount points, $[Redacted] processing fee, $[Redacted] signing fee, $[Redacted] title abstract, $[Redacted] CPL, $[Redacted] title endorsement, $[Redacted] title examination, $[Redacted] title insurance, $[Redacted] tax verification, and $[Redacted] underwriting, for a total of $[Redacted], which exceeds [Redacted]% of the $[Redacted] total loan amount ($[Redacted]) by $[Redacted]. The [Redacted] points and fees definitions do not mirror Federal HOEPA and can be found under [Redacted]. The following fees may be excluded if third party invoices are received. This would leave an overage of $[Redacted]. $[Redacted] title abstract $[Redacted] title endorsement $[Redacted] title examination $[Redacted] title insurance $[Redacted] tax verification (if for one-time tax certification purposes) If any additional fees should be considered for exclusion, please provide third party invoices and an explanation of the purpose of each fee for further review. While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including title insurance premiums, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file". Although the rule does not require invoices to be maintained in each individual loan file, to ensure compliance with the law, [Redacted], as a [Redacted], would need to demonstrate that third party fees "do not exceed the amounts charged" by the provider for the service being rendered. We have historically tested for this requirement, on a per loan basis, by requiring documentary support for third party fees charged which could take the form of service provider invoices, monthly billing statements, or master service agreements. Obtaining such documentation would further support the amounts paid by borrower do not exceed the amounts charged, thereby allowing for the exclusion of said fees as meeting the state's bona fide and reasonable standard. Based on our discussions with our counsel on this matter over the years, they have advised that these fees may be considered for exclusion provided the amounts charged to the borrower can be verified via an invoice or similar third-party document that supports the actual cost of the fee. Unfortunately, the cure period ([Redacted] days from consummation) expired on [Redacted]. Buyer Comment [Redacted]: per lender- we charged only $[Redacted] which is within allowable limit of [Redacted]% of the Total Loan Amount. Also, compliance report submitted in portal is showing as High Cost as Pass. Please review and waive the condition |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002380 | 36290097 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: loe uploaded Reviewer Comment [Redacted]: [Redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize. Buyer Comment [Redacted]: see attached PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002380 | 36290098 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002380 | 36290099 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002391 | 36290103 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax per year/$[Redacted] HOI per year) totaling $[Redacted]/month *[Redacted]= $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE; however, on provided PCCD Estimated Taxes, Insurance and Assessments missing on page [Redacted] and missing estimated property cost over year [Redacted] on page [Redacted]. Provide corrected PCCD and LOE updated with Estimated Taxes, Insurance and Assessments on page [Redacted] and estimated property cost over year [Redacted] page [Redacted]. Buyer Comment [Redacted]: see attached lender docs |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002391 | 36290104 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded to [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax per year/$[Redacted] HOI per year) totaling $[Redacted]/month *[Redacted]= $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002391 | 36290105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002391 | 36290106 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002391 | 36290109 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy with increased coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception Cleared Buyer Comment [Redacted]: see attached RCE doc Reviewer Comment [Redacted]: Received same documents which were available in file. HOI coverage is insufficient by $[Redacted] . Provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. Buyer Comment [Redacted]: Document requested is located in the file Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002440 | 36290110 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002414 | 36290126 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure Will Not Have Escrow | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002414 | 36290127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment [Redacted]: see attached borrower confirmation received check via regular mail Reviewer Comment [Redacted]: [Redacted] received LOE and copy of refund check. Please provide proof of mailing to cure the exception. Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] and [Redacted] which are already in file but the reason provided on COC is not sufficient. Both COCs have same reason for increase in fee but did not confirmed which additional docs are recorded and what new information has received to lender that has required to add these additional unanticipated documents. Please provide information as to what changed circumstance occurred (as defined under [Redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment [Redacted]: See attached. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002456 | 36290134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1002456 | 36290135 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive as is. Buyer Comment [Redacted]: * Please accept as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002456 | 36290138 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002456 | 36290139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002456 | 36290140 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted]did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002456 | 36290141 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002456 | 36290142 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002452 | 36290144 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment [Redacted]: Provided 1008 approval Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002452 | 36290146 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002452 | 36290147 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for use of subject ADU income on a cash-out transaction. Exception approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] years in same job. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002458 | 36290151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded- PCCD [Redacted] and lox Reviewer Comment [Redacted]: [Redacted] received PCCD with same issue date as final CD issue date. Please provide updated PCCD with correct issue date and LOE to cure the exception. Buyer Comment [Redacted]: CD [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002458 | 36290152 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted]are underdisclosed | Amount of Estimated Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded- PCCD [Redacted]and lox Reviewer Comment [Redacted]: [Redacted] received PCCD with same issue date as final CD issue date. Please provide updated PCCD with correct issue date and LOE to cure the exception. Buyer Comment [Redacted]: CD [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002458 | 36290153 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Section was left blank on page [Redacted] of Final CD. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: [Redacted] Received Post Closing Disclosure did not designate a reason on Page [Redacted] " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Buyer Comment [Redacted]: docs uploaded- PCCD [Redacted] and lox Reviewer Comment [Redacted]: [Redacted] received PCCD with same issue date as final CD issue date. Please provide updated PCCD with correct issue date and LOE to cure the exception. Also, Closing Disclosure did not designate a reason on Page [Redacted] " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Buyer Comment [Redacted]: CD [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002458 | 36290156 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment [Redacted]: Received and associated 1008. Exception Cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002642 | 36290162 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002642 | 36290163 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: accept as is |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002642 | 36290164 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Agree, please accept this level [Redacted] exception as is. Buyer Comment [Redacted]: Per [Redacted] guidelines a AVM + a PCI (exterior inspection) is acceptable for the 2nd value. refer to the HELOAN [Redacted] [Redacted] guidelines. We already accepted as is on [Redacted]. Reviewer Comment [Redacted]: Please accept this exception as is. Buyer Comment [Redacted]: exterior inspection |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002642 | 36290165 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: exterior inspection Buyer Comment [Redacted]: exterior inspeciton |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002642 | 36290167 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | [Redacted]Note or Mortgage statement not provided in file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: correct statement Reviewer Comment [Redacted]: The statement provided reflects monthly payment of $[Redacted], 1003 reflects P&I of $[Redacted]. Buyer Comment [Redacted]: statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002642 | 36290168 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002642 | 36290170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR Fail. Missing credit report | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002642 | 36290171 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002642 | 36290172 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Fail. Missing credit report | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002642 | 36290173 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. ATR Fail. Missing credit report | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002642 | 36290175 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Assignee Disclosure | [Redacted] High-Cost Loan: Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral. | Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral. | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290176 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Financed Fees | [Redacted] High-Cost Loan: Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted]. | Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted] | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290177 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (High Cost Disclosure Not Provided) | [Redacted] High-Cost Loan: High-Cost Home Loan Disclosure not provided to borrower. | High-Cost Home Loan Disclosure not provided to borrower | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290178 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan Protection Act Counseling Received | [Redacted] High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. | No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290179 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan Protection Act Disclosure | [Redacted] High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification. | Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification. | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290180 | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) [Redacted] Late Charge | [Redacted] High-Cost Loan: Loan contains an impermissible late charge. | Loan contains an impermissible late charge. | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290181 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Modification Fee | [Redacted] High-Cost Loan: Loan contains impermissible fees to modify, renew, extend, amend or defer payment of a high-cost home loan. | Loan contains impermissible fees to modify, renew, extend, amend or defer payment of a high-cost home loan | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002642 | 36290182 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Home Loan Protection Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment [Redacted]: [Redacted] received homeowners insurance invoice. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002642 | 36290183 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags not addressed or cleared | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002642 | 36290184 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Borrower did not sign document in file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: disclosure- fully executed version |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002642 | 36290185 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | Borrower did not sign document in file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002466 | 36290186 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is- 2nd lien |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002466 | 36290187 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is- 2nd lien Reviewer Comment [Redacted]: No secondary valuation provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: AVM + exterior inspection in file Buyer Comment [Redacted]: guide Buyer Comment [Redacted]: [Redacted] guides do not require secondary valuation on 2nd lien , pg [Redacted] |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002466 | 36290189 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment [Redacted]: Received and associated Tax Certificate. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002466 | 36290191 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002474 | 36290193 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is. Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: [Redacted] guides do not require secondary valuation on 2nd lien , pg [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002474 | 36290194 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is. Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: [Redacted] guides do not require secondary valuation on 2nd lien , pg [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002474 | 36290196 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] and [Redacted] 4506-C for [Redacted]. | Reviewer Comment [Redacted]: Received and associated 4506-C. Exception cleared. Buyer Comment [Redacted]: 4506C |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002474 | 36290197 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing [Redacted] and [Redacted] 4506-C for [Redacted]. | Reviewer Comment [Redacted]: Received and associated 4506-C. Exception cleared. Buyer Comment [Redacted]: 4506C |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002474 | 36290198 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing [Redacted] and [Redacted] 4506-C for [Redacted]. | Reviewer Comment [Redacted]: Received and associated 4506-C. Exception cleared. Buyer Comment [Redacted]: 4506C |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002740 | 36290201 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002731 | 36290204 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. | - | New credit installment loan, credit card on or before closing this loan that is not disclosed on this application | Reviewer Comment [Redacted]: Received the letter of explanation and the corrected 1003 confirming that no new credit installment loans or credit cards were opened on or before closing.Exception Cleared. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Received Letter of Explanation stating that there are no new credit installment loans or credit cards opened on or before closing. Please provide an updated Form 1003. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002731 | 36290206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing date of [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received disclosure tracking for the [Redacted] CD. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002731 | 36290207 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to exceed [Redacted]% DTI. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
Residual income $[Redacted] | [Redacted],Aggregator [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002736 | 36290209 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: see appraisal receipt uploaded to [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002736 | 36290210 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002736 | 36290212 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: See [Redacted]* Reviewer Comment [Redacted]: Lender exception states dti not to exceed [Redacted]%, current dti is [Redacted]%. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002736 | 36290213 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. Lender Exception has been provided in file | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: The DTI excluding the [Redacted] debt that was traded in, is [Redacted]%. Reviewer Comment [Redacted]: Lender exception states dti not to exceed [Redacted]%, current dti is [Redacted]%. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Page [Redacted] Shows [Redacted] paid off at trade in for new [Redacted] (debt [Redacted]$ monthly) , the $[Redacted] [Redacted] should not be included in the DTI. Thanks |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002736 | 36290214 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for DTI>[Redacted]% and Loan amount <[Redacted]is approved. Lender exception is provided in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. Reviewer Comment [Redacted]: Lender exception states dti not to exceed [Redacted]%, current dti is [Redacted]%. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002736 | 36290215 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Missing evidence that [Redacted] was paid off prior to or through loan closing. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Reviewer Comment [Redacted]: Lender exception states dti not to exceed [Redacted]%, current dti is [Redacted]%. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002736 | 36290216 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: exception |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002736 | 36290217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: see [Redacted]* Reviewer Comment [Redacted]: Lender exception states dti not to exceed [Redacted]%, current dti is [Redacted]%. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002736 | 36290219 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender exception provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002467 | 36290221 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is per [Redacted] waterfall Reviewer Comment [Redacted]: Received a UCDP report in the initial package with a risk score of [Redacted]; however, a received same UCDP report .Exception Remains Buyer Comment [Redacted]: FNMA SSR for 2nd value |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002467 | 36290223 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | Full appraisal was provided in the file. It was completed prior to the subject application date. The loan program changed from a Heloc to a stand alone second. This triggered a new application. The appraisal was transferred to the new application. | Buyer Comment [Redacted]: accept as is |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002728 | 36290224 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002730 | 36290227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002719 | 36290230 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002719 | 36290232 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002725 | 36290234 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is Buyer Comment [Redacted]: Accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002729 | 36290238 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags for the coborrower have not been addressed. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: high and medium cleared Reviewer Comment [Redacted]: The lender reviews and clears the fraud report red flags. Provide updated fraud report, current one reflects score of [Redacted]. Provide evidence red flags were addressed. Buyer Comment [Redacted]: Lender does not clear fraud report, they perform any required searches. please ofac in file starting at pg [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002720 | 36290245 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reflects lender only, missing ISAOA | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: HOI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002738 | 36290249 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for DTI > [Redacted]%. Invest needs to acknowledge and approve the exception. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted]% LTV | [Redacted],Aggregator [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002721 | 36290252 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is. Reviewer Comment [Redacted]: Please accept as is. This exception is a level 2 that states no interior photos. Buyer Comment [Redacted]: [Redacted] and AVM provided |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002734 | 36290254 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002743 | 36290258 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002742 | 36290261 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing most recent paystub. Missing.Verification of employment within [Redacted] business days from the mortgage note date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: paystubs were uploaded to [Redacted] Reviewer Comment [Redacted]: Missing voe for current employment. Voe is file states no longer employed and does not match employer on pay stubs. Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted]. Buyer Comment [Redacted]: paystubs Reviewer Comment [Redacted]: Received Third party verification of employment however employer name is not matching with the W-2 and final 1003. Employer name is different in all the documents. Please provide the VOE and paystub showing the same employer names. Exception remains. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: voe |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002742 | 36290263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan is at QM Risk due to missing income documentation. Missing most recent paystub. Missing.Verification of employment within [Redacted] business days from the mortgage note date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: paystubs were uploaded to [Redacted] Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted]. Buyer Comment [Redacted]: see [Redacted]& [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002742 | 36290264 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at QM Risk due to missing income documentation. Missing most recent paystub. Missing.Verification of employment within [Redacted] business days from the mortgage note date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: paystubs were uploaded to [Redacted] Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted]. Buyer Comment [Redacted]: see [Redacted] & [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002742 | 36290265 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Missing most recent paystub or Written verification of employment with income documentation. | Reviewer Comment [Redacted]: Pay stubs provided. Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted] Buyer Comment [Redacted]: see [Redacted]& [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002742 | 36290266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - No Income Provided | General QM: No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Missing most recent paystub or Written verification of employment with income documentation. | Reviewer Comment [Redacted]: Pay stubs provided. Buyer Comment [Redacted]: final re-upload Buyer Comment [Redacted]: see attached paystub re-upload Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted]. Buyer Comment [Redacted]: see [Redacted] & [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002742 | 36290267 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI was not calculated. Missing most recent paystub or Written verification of employment with income documentation to verify income stated on final 1003. | Reviewer Comment [Redacted]: Pay stubs provided. Reviewer Comment [Redacted]: Pay stubs are blank and VOE is for prior employment with [Redacted]. Buyer Comment [Redacted]: The employer is the same, ADP is the payroll source and sometimes the employer abbreviates his first name with the initial B instead of the full name [Redacted] Reviewer Comment [Redacted]: Paystubs are not provided. Received Third party verification of employment however employer name is not matching with the W-2 and final 1003. Employer name is different in all the documents. Please provide the VOE and paystub showing the same employer names. Exception remains. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: paystubs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002562 | 36290269 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002460 | 36296669 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Final Title Policy provided. Cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002460 | 36296686 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in the file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment [Redacted]: Final Title Policy provided. Cleared. Seller Comment [Redacted]: Here is a copy of the policy |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002460 | 36296720 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception to allow a rural property with [Redacted] acres. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
CLTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] [Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. Seller Comment [Redacted]: Lender Exception to allow a rural property with [Redacted] acres. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002601 | 36304172 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Provided Final Title with appropriate coverage |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002601 | 36304195 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Provided Final Title with appropriate coverage Seller Comment [Redacted]: policy attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002601 | 36304196 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002601 | 36304199 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002601 | 36306378 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [Redacted] or Certificate of [Redacted] was not found in the file. The deed was transferred from trust to an individual name. A copy of the trust or Certificate of Trust was not found in the file. | Reviewer Comment [Redacted]: Provided Cert of Trust Seller Comment [Redacted]: Trust cert |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001485 | 36307342 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Evidence of delivery of the revised appraisal was provided. The revised appraisal did not have a change in the value. Seller Comment [Redacted]: Please see attached appraisal delivery of the Revised Appraisal. Thank you. Reviewer Comment [Redacted]: The original appraisal was provided with proof of delivery. HPML requirements are that all valuations are delivered have been delivered to the borrower. Please provide proof the revised appraisal was provided to the borrower. This can be at anytime and we can downgrade to an [Redacted] grade if it was not within [Redacted] days of closing since the value did not change. If the revised was delivered within [Redacted] days then this will be an [Redacted]. Seller Comment [Redacted]: The initial appraisal has an effective date of [Redacted], that is the appraisal that was delivered to the borrower. Reviewer Comment [Redacted]: The appraisal provided is dated [Redacted] and the delivery confirmation reflects it was provided on [Redacted]. Please provide the original appraisal that coincides with the delvery date and proof of delivery for the appraisal dated [Redacted]. Seller Comment [Redacted]: [Redacted] > appprasial confirmation send to investor Reviewer Comment [Redacted]: Proof of receipt of appraisal within three (3) business days prior to consummation required. Exception remains. Seller Comment [Redacted]: notice of change of circumstances |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001485 | 36307343 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment [Redacted]: Evidence of delivery of the revised appraisal was provided. The revised appraisal did not have a change in the value. Seller Comment [Redacted]: Please see attached appraisal delivery of the Revised Appraisal. Thank you. Reviewer Comment [Redacted]: The original appraisal was provided with proof of delivery. HPML requirements are that all valuations are delivered have been delivered to the borrower. Please provide proof the revised appraisal was provided to the borrower. This can be at anytime and we can downgrade to an [Redacted] grade if it was not within [Redacted] days of closing since the value did not change. If the revised was delivered within [Redacted] days then this will be an [Redacted]. Seller Comment [Redacted]: The initial appraisal has an effective date of [Redacted], that is the appraisal that was delivered to the borrower. Reviewer Comment [Redacted]: The appraisal provided is dated [Redacted] and the delivery confirmation reflects it was provided on [Redacted]. Please provide the original appraisal that coincides with the delvery date and proof of delivery for the appraisal dated [Redacted]. Seller Comment [Redacted]: appraisal delivery confirmation Reviewer Comment [Redacted]: Proof of receipt of appraisal within three (3) business days prior to consummation required. Exception remains. Seller Comment [Redacted]: right to copy of appraisal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001485 | 36882111 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three [Redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Evidence of delivery of the revised appraisal was provided. The revised appraisal did not have a change in the value. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| GCAT2026CES1002649 | 36309851 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002649 | 36309852 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002649 | 36309858 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy amount is blank. A final policy was not provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002649 | 36309865 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002768 | 36327075 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: ATTACHED |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002768 | 36351378 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] P&L. | Reviewer Comment [Redacted]: Received and associated [Redacted] P&L. Exception cleared. Seller Comment [Redacted]: [Redacted] P&L Seller Comment [Redacted]: P&L |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| GCAT2026CES1002599 | 36327647 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002599 | 36327649 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002599 | 36327696 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002619 | 36336981 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002619 | 36337010 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002619 | 36337024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Seller Comment [Redacted]: PCCD_LOE Reviewer Comment [Redacted]: [Redacted] received [Redacted] CD with incomplete information on page [Redacted] and page [Redacted] and LOE to borrower dated [Redacted]. If this was intended to be a Post Close CD/Corrected CD after Final CD, then the issue date cannot be the same date as the Final CD date and back dated, as it would not be considered a post close correction, A Corrected CD would needed issued after the [Redacted] final CD with fully completed information in order to test as a correction. Seller Comment [Redacted]: Attached Reviewer Comment [Redacted]: [Redacted] received rebuttal comment, however, the coordination fee and notary fee was payable to "[Redacted]" same as selected from [Redacted] provide list. Appears borrower cannot be shopped for the services their own. Hence, the fees are calculated under [Redacted]% tolerance, and this is causing the fees are exceeds over [Redacted]% tolerance. Cure would be due to borrower. Seller Comment [Redacted]: Borrower shopped for title services |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002459 | 36351653 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002459 | 36351658 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002459 | 36351675 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002459 | 36351771 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002459 | 36351773 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002459 | 36351780 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment [Redacted]: This was corrected on the PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002767 | 36348478 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1002767 | 36348536 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002767 | 36348638 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002767 | 36348725 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002767 | 36348747 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002803 | 36346509 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: A BPO was provided. Reviewer Comment [Redacted]: The UCDP was provided and is above [Redacted], and secondary valuation is now required. Seller Comment [Redacted]: This is a CE second loan. CDA is not required. |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002648 | 36372648 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided. | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment [Redacted]: [Redacted] was given to the borrower on the final CD for the[Redacted] increases in fees. The [Redacted] fee is a recording fee in [Redacted] and not a transfer tax fee. Thanks, |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002648 | 36372649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided. | Reviewer Comment [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment [Redacted]: [Redacted] was given to the borrower on the final CD for the [Redacted] increases in fees. The [Redacted] fee is a recording fee in [Redacted] and not a transfer tax fee. Thanks, |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002648 | 36533464 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1002648 | 36533465 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1002864 | 36389026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002864 | 36389027 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Seller Comment [Redacted]: please clear |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002426 | 36398233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002426 | 36398234 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002426 | 36398274 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Closing Disclosure not provided to borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received [Redacted] CD received [Redacted] business days prior to consummation. Seller Comment [Redacted]: attached cd [Redacted] Seller Comment [Redacted]: CD for [Redacted] Reviewer Comment [Redacted]: [Redacted] received disclosure tracking for the [Redacted] CD in file. Please provide the [Redacted] CD as it is not located in file. Seller Comment [Redacted]: attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002426 | 36398275 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: HUD signed and dated by title Reviewer Comment [Redacted]: Provide final settlement statement signed or stamped by title company to verify disbursement date. Seller Comment [Redacted]: corrected attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002645 | 36395173 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment [Redacted]: Client elects to waive. Seller Comment [Redacted]: Please clear is level [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002645 | 36400801 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002569 | 36416650 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002569 | 36416651 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002569 | 36416658 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The existence of the borrower's business must be verified within [Redacted] calendar days prior to the note date. | Reviewer Comment [Redacted]: Received and associated Business Entity Listing for [Redacted]. Exception Cleared. Seller Comment [Redacted]: Verification attached Seller Comment [Redacted]: SE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002569 | 36416665 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002646 | 36417182 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002646 | 36418010 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002421 | 36419241 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002421 | 36419242 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: as well as a disaster inspection Buyer Comment [Redacted]: There is a [Redacted] and a [Redacted] Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: Please accept as is Reviewer Comment [Redacted]: Secondary valuation is a Securitization requirement. This exception can be accepted as is. Buyer Comment [Redacted]: This is a 2nd lien. AVM is all that is required. |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026CES1002421 | 36419243 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accept as is. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002585 | 36419245 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for a closed in second closing in a trust is approved with a [Redacted] pricing hit in addition to standard LLPAs associated with the loan. This approval is also contingent on the Trust being approved by [Redacted] review. Disclaimer: This exception approval is based on current market conditions and credit guidelines as of the approval date. All terms are subject to change without notice. Final acceptance of this exception will occur only at the time of lock and is subject to a full review of current market conditions, investor requirements, and internal credit parameters. The granting of this exception does not constitute a commitment to lend. |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| GCAT2026CES1002585 | 36419246 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: Please accept as it Reviewer Comment [Redacted]: The property inspection is another AVM by [Redacted] . You can accept this exception as is. Buyer Comment [Redacted]: AVM is considered [Redacted]. The property inspection is considered [Redacted]. Both are grouped together in the [Redacted] report - please clear condition. |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026CES1002585 | 36419247 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002578 | 36419248 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please waive/ accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002578 | 36419249 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accetp as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026CES1002578 | 36419250 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a detailed schedule of real estate owned by our borrower and what was considered in qualification. Additionally, please provide the disposition of any REOs disclosed on the borrower's [Redacted] 1040/Schedule E. There are variances in the REOs reflected on the final 1003 in both the REO section, as well as the Non-REO liability section. | Reviewer Comment [Redacted]: Per client, REO's excluded are either owned by a business entity, in a [Redacted] or not financially obligated to our borrower. Documentation provided in file. Reviewer Comment [Redacted]: Email sent to client for clarification. Buyer Comment [Redacted]: Docs attached Reviewer Comment [Redacted]: If borrower financed properties, he is responsible for the payments unless we have [Redacted] months proof paid by other party. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026CES1002643 | 36419253 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive Buyer Comment [Redacted]: please accept as is Buyer Comment [Redacted]: * see docs in file Buyer Comment [Redacted]: AVM + Property inspection report in file. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002643 | 36419254 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please waive/accept as is Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: * |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026CES1002428 | 36419257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received corrected PCCD and LOE Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: [Redacted] received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002428 | 36419258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for $[Redacted] and cancelled check for $[Redacted] & Corrected CD Buyer Comment [Redacted]: [Redacted]Cancelled check Reviewer Comment [Redacted]: [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing. However, the total cure required is of $[Redacted] whereas we have received check of $[Redacted] which is insufficient to cure the exceptions. Kindly provide Copy of refund check for additional cure amount of $[Redacted] along with proof of mailing. Buyer Comment [Redacted]: cure docs, pccd, check, lox, [Redacted] Reviewer Comment [Redacted]: [Redacted] received copy of refund check for $[Redacted], however cure required is for $[Redacted] as COC provided doesn't provide sufficient information what additional unanticipated documents needs to be recorded that increased recording fee. Please provide additional sufficient information or additional cure of $[Redacted] is required. Also, missing LOE, proof of mailing & PCCD for cure of $[Redacted]. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package. But it does not give sufficient information on what new information was received that required to record the additional document. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee additional document recorded to increase the fee and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002428 | 36419260 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] Buyer Comment [Redacted]: Doc uploaded AVM + PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002428 | 36419262 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: ACCEPT AS IS Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: See [Redacted]* AVM + PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002428 | 36419263 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: ACCEPT AS IS Reviewer Comment [Redacted]: PCI is not another valuation. Buyer Comment [Redacted]: AVM + PCI in file. Buyer Comment [Redacted]: Please waive/ accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002428 | 36419264 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature line on the Note should have the Borrowers signing Individually and as Trustee | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002428 | 36419265 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature line on the Security Agreement should have the Borrowers signing as Trustee | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002428 | 36419266 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception for Closing in a Trust. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
$[Redacted] residual income DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002428 | 36419267 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title reflects ownership in a revocable trust. The subject Security Agreement only shows [Redacted] individual parties. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: should clear with [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002428 | 36419268 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Security Agreement/Mortgage reflects an Inter Vivos Trust Rider. There was not one present with the Mortgage, only one for the Note | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see attached (last [Redacted] pages) |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002528 | 36419270 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: cure docs Reviewer Comment [Redacted]: [Redacted] received LOE stating the fee was increase based on invoice. But, an increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. [Redacted], Appendix, Additional Considerations, Row [Redacted] indicates: To [Redacted], see examples of sufficient vs. insufficient COC. Please provide information as to what changed circumstance occurred (as defined under [Redacted] that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002471 | 36419277 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of Original Loan Amount $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount | Reviewer Comment [Redacted]: Provided attestation from insurer that verbally validated the coverage equal to [Redacted]% of the cost to rebuild Buyer Comment [Redacted]: hazard |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002471 | 36419279 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: Closed end 2nd - Only AVM is required |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002471 | 36419280 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002471 | 36419281 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment is not within [Redacted] business days of the Note. | Reviewer Comment [Redacted]: Provided VVOE before disbursement Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002471 | 36419282 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment is not within [Redacted] business days of the Note. | Reviewer Comment [Redacted]: Provided VVOE before disbursement Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002471 | 36419283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002475 | 36419286 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: PCCD; LOE, Copy of check and Proof of Mailing not received. Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD; however, LOE, Copy of check and Proof of Mailing not received. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002475 | 36419287 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | [Redacted] days rescission not provided. Loan closed [Redacted]and Final CD signed [Redacted]. RTC signed [Redacted]. Expiration is [Redacted] which is not [Redacted] business days. | Reviewer Comment [Redacted]: Documentation provided to cure. Buyer Comment [Redacted]: LOE and delivery Reviewer Comment [Redacted]: Missing the LOE to the borrower with proof of delivery. Buyer Comment [Redacted]: ROC Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Buyer Comment [Redacted]: ROC |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002739 | 36419292 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002723 | 36419293 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception has been provided for DTI >[Redacted]% and Residual Income > $[Redacted] | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income LTV is [Redacted]% below guide max. |
Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002723 | 36419294 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002723 | 36419296 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing the IRA bank statement and the proof of [Redacted] income distribution as required by guidelines | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: We have received the bank statement for the [Redacted] account ending in [Redacted]. However, we are unable to verify proof of disbursements for [Redacted]. Please provide the required proof for [Redacted] disbursements. Exception remains Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Received same documents which were available in file. Please Provide IRA bank statement and the proof of [Redacted] income distribution as required by guidelines. Exception remains Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002723 | 36419297 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | ATR Risk due to missing the IRA bank statement and the proof of [Redacted] income distribution as required by guidelines | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002723 | 36419298 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR Risk due to missing the IRA bank statement and the proof of [Redacted] income distribution as required by guidelines | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002741 | 36419306 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | There are red flags on the fraud report that have not been addressed | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Cleared fraud Reviewer Comment [Redacted]: Please provide updated fraud report, fraud in file has score of [Redacted]. Provide evidence red flags addressed. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: [Redacted] does not clear, they upload the search for participants - in file |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002735 | 36419307 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Evidence of receipt of appraisal at least [Redacted] days prior to closing was not found. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002735 | 36419308 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Evidence that appraisal was received on [Redacted] which is less than three business days of closing date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Business hours Buyer Comment [Redacted]: Email [Redacted] received by borrower, and they have sent their posted business hours which include Sunday. Reviewer Comment [Redacted]: Evidence of receipt of appraisal at least [Redacted] days prior to closing was not found. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Acknowledgment of receipt of the valuation is required at least three days prior to closing. Exception Remains Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002744 | 36419312 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing most recent year 1099. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002744 | 36419313 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Designation due to missing income docs | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002744 | 36419314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing most recent year 1099. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002733 | 36419315 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The Client elects to waive Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002733 | 36419318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR Fail, missing 10 day VVOE for Co-Borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002733 | 36419319 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR Fail, missing 10 day VVOE for Co-Borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Per seller guidelines, VVOE should be dated within [Redacted] days of closing Buyer Comment [Redacted]: per guidelines can be up to delivery to [Redacted]. Paystub in file prior to closing and voe shows employed [Redacted] years |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002733 | 36419320 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR Fail, missing 10 day VVOE for Co-Borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002733 | 36419321 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Missing 10 day VVOE for Co-Borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Per seller guidelines, VVOE should be dated within [Redacted] days of closing Buyer Comment [Redacted]: per guidelines can be up to delivery to [Redacted]. Paystub in file prior to closing and voe shows employed [Redacted] years Reviewer Comment [Redacted]: Received Third Party Verification; however, it is dated post-consummation. A Third-Party Verification dated within the consummation period is required. Exception Remains Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002733 | 36419323 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Fail, missing 10 day VVOE for Co-Borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Per seller guidelines, VVOE should be dated within 10 days of closing Buyer Comment [Redacted]: per guidelines can be up to delivery to [Redacted]. Paystub in file prior to closing and voe shows employed [Redacted] years |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002477 | 36419326 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | [Redacted] Note or it's Mortgage Statement not provided in the file. | Reviewer Comment [Redacted]: Received and associated Mortgage Statement. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002477 | 36419327 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Flood policy does not reflect the Lender as 2nd Mortgagee (still shows previous Lender) | Reviewer Comment [Redacted]: An updated Flood Policy was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002477 | 36419328 | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | RTC in file is signed by the Non-Borrowing spouse only. The RTC for the Borrower is missing. | Reviewer Comment [Redacted]: RTC received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002554 | 36419329 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Title Policy Amount with policy amount of $[Redacted], cleared Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Please provide final title or updated prelim title to reflect correct amount. You can also accept this level [Redacted] exception as is. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002554 | 36419331 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Missing secondary valuation for securitization purposes. | Buyer Comment [Redacted]: Accepting as is. Reviewer Comment [Redacted]: Please accept this exception as is. Buyer Comment [Redacted]: The AVM counts as 1 value and exterior inspection counts as second value. In this case, the 2 reports were delivered as 1 - a [Redacted] AVM plus property inspection report. |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002554 | 36419332 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Please accept as is. | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002554 | 36419335 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the Borrower at closing. No Valid COC in file. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002476 | 36419338 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002476 | 36419341 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002476 | 36419342 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: accept as is- Clear AVM + exterior inspection in file |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002463 | 36419355 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for Closed End Second to be vested in revocable trust. Approval in file. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002463 | 36419357 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002555 | 36419359 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (Final Title Policy was not found in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: Provided supplement with appropriate coverage at $[Redacted] Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002555 | 36419360 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The elects to waive as is Buyer Comment [Redacted]: AVM is considered one value. The property exterior inspection is considered 2nd value. The avm and property inspection are combined into 1 report. Please clear based on both "valuations" |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002555 | 36419361 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002555 | 36419363 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing Verbal Verification of Employment dated within [Redacted] business days prior to closing for [Redacted]. [Redacted] from [Redacted]. [Redacted]. | Reviewer Comment [Redacted]: Received VVOE within [Redacted] days Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002545 | 36419365 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive Buyer Comment [Redacted]: Accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002545 | 36419366 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: AVM + exterior PCIT per guidelines is in file for 2nd lien Reviewer Comment [Redacted]: The property inspection is not a secondary valuation, exception remains. Buyer Comment [Redacted]: AVM and exterior inspection were included in file. Each one is considered a valuation |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002545 | 36419368 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing 1st Lien latest mortgage statement or original note to verify current P & I payment. | Reviewer Comment [Redacted]: Received, cleared Buyer Comment [Redacted]: Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002514 | 36419369 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: ACCEPT AS IS |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002514 | 36419370 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: lender used an avm + exterior inspection |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002514 | 36419373 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Boxes were left blank on disclosure on page [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002491 | 36419375 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received CD dated [Redacted] Buyer Comment [Redacted]: CD [Redacted] Reviewer Comment [Redacted]: [Redacted] received disclosures summary that shows a CD was issued on [Redacted] but the copy of disclosed CD is not provided in trailing docs for review. Please provide initial CD to re-evaluate the exception. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002491 | 36419376 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: accept as is |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002491 | 36419377 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: avm with pci in file per guidelines Reviewer Comment [Redacted]: An inspection report does not give value so it is not consider a separate evaluation. Buyer Comment [Redacted]: inspection Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002491 | 36419379 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in [Redacted] a FEMA disaster area and has not been inspected [Redacted]. | Reviewer Comment [Redacted]: Post disaster Inspection/BPO received and updated. Exception cleared Buyer Comment [Redacted]: There is a [Redacted] exterior PCI in the file with an inspection date of [Redacted]- please clear |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002491 | 36419380 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception cleared. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002491 | 36419381 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002491 | 36419382 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within [Redacted] 10 business days of the Note. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002491 | 36419383 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated Mortgage statement. Exception cleared. Buyer Comment [Redacted]: 1st Mortgage |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002516 | 36419385 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002516 | 36419386 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: PDI provided, exception cleared. Buyer Comment [Redacted]: disaster inspection |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002516 | 36419387 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Loan is QM Buyer Comment [Redacted]: Loan is a QM loan. per HPML rules QM is exempt |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002516 | 36419388 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Loan is QM Buyer Comment [Redacted]: Loan is a QM loan. per HPML rules QM is exempt |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002516 | 36419389 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Loan is QM Buyer Comment [Redacted]: Loan is a QM loan. per HPML rules QM is exempt Reviewer Comment [Redacted]: HPML requires appraisal. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002516 | 36419391 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five [Redacted] business days of application. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002516 | 36419393 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Not received by borrower at least [Redacted] business days prior to closing. ([Redacted]) | Reviewer Comment [Redacted]: [Redacted] received disclosures summary for earliest receipt of LE. Buyer Comment [Redacted]: lender dispute |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002516 | 36419394 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received COC and LOE for adding the fee. Buyer Comment [Redacted]: docs uploaded- rebuttal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002516 | 36419395 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosures summary for earliest receipt of CD. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002516 | 36419397 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator loan designation of Safe Harbor QM (APOR) does not match the due diligence designation of Higher Priced QM (APOR) | Reviewer Comment [Redacted]: Client restated to HPQM (APOR) Buyer Comment [Redacted]: reinstate to [Redacted] Buyer Comment [Redacted]: reinstate to be [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1002516 | 36419398 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002492 | 36419399 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | 1004 missing in file. | Reviewer Comment [Redacted]: Received and associated Appraisal. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: ssr property report, 1004 uploaded to *[Redacted] |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002492 | 36419400 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note or mortgage statement for the first lien of subject property was not found in the file. | Reviewer Comment [Redacted]: Cleared Mortgage statement provided Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002492 | 36419401 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: Received and associated Appraisal. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: 1004 |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002492 | 36419402 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Reviewer Comment [Redacted]: Received and associated Appraisal. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 1 | A | A | A | A | A | A | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002492 | 36419404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Evidence to omit an installment debt from [Redacted] with monthly payment of $[Redacted] and balance of $[Redacted] is not provided. | Reviewer Comment [Redacted]: Cleared- this debt has been added back it was not excluded Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002492 | 36419405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The calculated DTI exceeds maximum allowable DTI of [Redacted]%. | Reviewer Comment [Redacted]: Cleared, Mortgage statement received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002492 | 36419406 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall exception due to DTI failure. | Reviewer Comment [Redacted]: Cleared with mortgage statement first lien Buyer Comment [Redacted]: 1st mortgage payment in [Redacted] is showing [Redacted], which is PITI, but the taxes and insurance are also being counted again. Correcting the PITI should correct the DTI issue. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002492 | 36419407 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Evidence to omit an installment debt from [Redacted] with monthly payment of $[Redacted] and balance of $[Redacted] is not provided. | Reviewer Comment [Redacted]: Cleared 1003 reflects not excluded from ratios and verified with LOE Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002492 | 36419408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosures summary for earliest receipt of CD. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002505 | 36419410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received Attestation letter and disclosure Tracking for CD dated [Redacted] received to consumer [Redacted] business days prior to the consummation. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002505 | 36419411 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] and LOE for adding the fee. Buyer Comment [Redacted]: see pci Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response with additional information for the property inspection fee required instead of full appraisal. However, there seems to be no property inspection document was located in the loan file. Provide supporting document and to provide supporting information on when lender become aware of the property inspection was required to add the fee or Cure would be due to borrower. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002505 | 36419412 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002505 | 36419413 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: see pci attached to [Redacted] Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002505 | 36419414 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in a [Redacted] FEMA Disaster area and has not been inspected [Redacted]. | Reviewer Comment [Redacted]: Provided PDI reflecting no damage due to property Buyer Comment [Redacted]: see pci attached to [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002505 | 36419415 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final title was not found in file. | Reviewer Comment [Redacted]: Title search in file Buyer Comment [Redacted]: loan amount under $[Redacted] doesn't require full title per lender guides. Reviewer Comment [Redacted]: The file was missing a copy of the final title policy. Exception Remains. Buyer Comment [Redacted]: limited title is in the file per guidelines- please cancel |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002505 | 36419416 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title evidence was not found in file. | Reviewer Comment [Redacted]: Title search in file Buyer Comment [Redacted]: * |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002505 | 36419417 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | 1008 Loan Transmittal Summary was not provided in the loan package | Reviewer Comment [Redacted]: Received and associated 1008. Exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received approval information, however we require 1008. Exception remains. Buyer Comment [Redacted]: 1008 in file Buyer Comment [Redacted]: 1008 is page [Redacted] - that is the form they use for 1008, please see bottom left 1008 UW comments Reviewer Comment [Redacted]: 1008 was not found in the credit file Buyer Comment [Redacted]: 1008 in file , pg [Redacted], under approval Buyer Comment [Redacted]: Per guide Loan Amounts < $[Redacted]: Property Report/Instant Title |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002479 | 36419420 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received Disclosure summary showing CD viewed by borrower [Redacted] days prior to closing. Buyer Comment [Redacted]: Docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002479 | 36419421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received Disclosure summary showing LE viewed by borrower [Redacted] days prior to closing. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002479 | 36419422 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Provided appraisal Buyer Comment [Redacted]: appraisal [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002479 | 36419423 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Buyer Comment [Redacted]: accept as is |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002479 | 36419424 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Please provide a clear copy of Credit Report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002479 | 36419425 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal Report is missing from file. | Reviewer Comment [Redacted]: Received and associated Appraisal. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002479 | 36419426 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note - Senior Lien missing from file. | Reviewer Comment [Redacted]: Received and associated Mortgage Statement. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002479 | 36419427 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Loan is to be securitized. Appraisal and secondary valuation are missing. | Reviewer Comment [Redacted]: Received and associated Appraisal. Exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: FNMA UCDP is on file however, the primary appraisal is missing from the credit file Buyer Comment [Redacted]: secondary value received- FNMA SSR [Redacted] |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002479 | 36419428 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. Loan designation does not match due to missing credit report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002479 | 36419429 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Credit uploaded to *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | D | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002500 | 36419432 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: appraisal dated [Redacted] uploaded Buyer Comment [Redacted]: appraisal |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002500 | 36419433 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: appraisal dated [Redacted] uploaded |
[Redacted] | No | 1 | A | A | A | A | A | A | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002500 | 36419434 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: appraisal dated [Redacted] uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002500 | 36419435 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document not provided in file | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: appraisal dated [Redacted] uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002500 | 36419436 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the note or mortgage statement is missing from the file | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002472 | 36419437 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment [Redacted]: Received and associated Flood Certificate. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002472 | 36419440 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Reviewer Comment [Redacted]: Received, cleared Buyer Comment [Redacted]: see [Redacted] to clear Reviewer Comment [Redacted]: Received the VVOE; however, we are unable to verify the employment start date. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002472 | 36419441 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only for [Redacted]. Exception cleared. Reviewer Comment [Redacted]: Received the VVOE; however, we are unable to verify the employment start date. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002472 | 36419442 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The verification of employment document is missing in the file. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only for Student Transportation of [Redacted]. Exception cleared. Buyer Comment [Redacted]: Fannie allows VVOE up to delivery. Start date is not required per fnma selling guide- |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002472 | 36419443 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The verification of employment document is missing in the file. | Reviewer Comment [Redacted]: Received and associated VVOE - Employment Only for [Redacted]. Exception cleared. Buyer Comment [Redacted]: See [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002472 | 36419444 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing mortgage statement or note of 1st lien on primary residence. | Reviewer Comment [Redacted]: Received and associated Mortgage statement. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002472 | 36419446 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] W-2 for [Redacted]. | Reviewer Comment [Redacted]: Received, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002472 | 36419447 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at QM risk due to missing income documentation. Missing verification of employment for each borrower within [Redacted] business days of the note. Missing [Redacted] W-2 for both borrowers as well. | Reviewer Comment [Redacted]: Received w-2s and VVOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002472 | 36419448 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM risk due to missing income documentation. Missing verification of employment for each borrower within [Redacted] business days of the note. Missing [Redacted] W-2 for both borrowers. | Reviewer Comment [Redacted]: Received w-2s and VVOE |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002472 | 36419449 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] W-2 for [Redacted]. | Reviewer Comment [Redacted]: [Redacted] W-2 received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002815 | 36419451 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002815 | 36419452 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment [Redacted]: The TPOL was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002815 | 36419454 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: clear AVM + PCI Reviewer Comment [Redacted]: PCI is not secondary valuation. Buyer Comment [Redacted]: clear AVM + PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002815 | 36419455 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002468 | 36419459 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: avm plus pci per guidelines Buyer Comment [Redacted]: AVM + PCI in file |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002468 | 36419460 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002468 | 36419461 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated Mortgage statement. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002468 | 36419462 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement to verify PITI at [Redacted]. | Reviewer Comment [Redacted]: Received and associated Mortgage statement. Exception cleared. Buyer Comment [Redacted]: dOC UPLOADED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002563 | 36419463 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||||
| GCAT2026CES1002563 | 36419466 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002563 | 36419467 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: Please accept as is. |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| GCAT2026CES1002507 | 36419470 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002507 | 36419472 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file was missing a copy of initial 1003. | Reviewer Comment [Redacted]: Received and associated initial 1003. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002507 | 36419474 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Policy in file does not cover balance of 1st lien and new 2nd lien | Reviewer Comment [Redacted]: RCE, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002473 | 36419476 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002625 | 36419487 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: An inspection report does not give value so it is not consider a separate evaluation. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: [Redacted] property inspection report & AVM in file. Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: Please waive /accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002625 | 36419488 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002567 | 36419490 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment [Redacted]: Received RCE Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002567 | 36419492 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the Senior Note or its mortgage statement was not found in the file. | Reviewer Comment [Redacted]: Received and associated mortgage statement for First Lien. Exception Cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002567 | 36419493 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Page [Redacted] (signature page) of the Subordination Rider was not found in the file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002577 | 36419496 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002577 | 36419497 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002577 | 36419498 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a detailed schedule of real estate owned by our borrower and what was considered in qualification. Additionally, please provide the disposition of any REOs disclosed on the borrower's [Redacted] 1040/Schedule E. There are variances in the REOs reflected on the final 1003 in both the REO section, as well as the Non-REO liability section. | Reviewer Comment [Redacted]: Received property details report confirming borrower is not owner of properties in question. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: If the borrower financed the properties, he is responsible for the payments unless we have [Redacted] months proof paid by other party. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||||
| GCAT2026CES1002697 | 36419500 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Reviewer Comment [Redacted]: Provided valid AVM supporting value Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002697 | 36419502 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. Entered as $[Redacted] on Disclosure. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002697 | 36419503 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year [Redacted] on Final Closing Disclosure provided on [Redacted] is underdisclosed. Section was left blank. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response that the property costs updated based on the 1st lien proposed monthly expense which is $[Redacted]/ month. But the loan is [Redacted]nd mortgage and loan file indicates property costs of $[Redacted]. The itemized costs ($[Redacted]Town tax, $[Redacted]School tax, $[Redacted]Village tax ([Redacted]) and $$[Redacted] HOI ([Redacted])) total $[Redacted]/ month. Please provide corrected PCCD along with LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: Please see lender response Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted]tax/ $[Redacted] ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002697 | 36419504 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Section was left blank on page [Redacted] of Disclosure. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002697 | 36419505 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Section was left blank on page [Redacted] of Disclosure. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002810 | 36419507 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment [Redacted]: Provided evidence of E-sign consent date Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002810 | 36419508 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Commitment or Preliminary title policy amount is blank. A Final Policy was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Supplemental report uploaded Buyer Comment [Redacted]: supplemental report shows $[Redacted], greater than loan amount |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002641 | 36419517 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002576 | 36419519 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002576 | 36419520 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment [Redacted]: Credit report received |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002576 | 36419521 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: lender's compliance report ([Redacted]) shows passing HPML & QM/ATR. Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002576 | 36419522 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | The loan file does not contain a credit report to evidence the consumers' outstanding liabilities. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002576 | 36419523 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | [Redacted] Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Net Tangible Benefit Worksheet not provided to borrower. | Reviewer Comment [Redacted]: Tangible not benefit disclosure provided Buyer Comment [Redacted]: net tangible |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002576 | 36419524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received Disclosure summary showing CD receipt date. Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002576 | 36419525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received Disclosure summary showing LE receipt date. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002576 | 36419526 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received Disclosure summary showing LE receipt date. Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002576 | 36419527 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The credit report submitted is unclear and not readable. Please provide a clear, legible copy of the credit report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: see [Redacted]* Buyer Comment [Redacted]: Credit |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002576 | 36419529 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | The credit report submitted is illegible, unclear, and not readable. Please provide a clear, legible copy of the credit report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002576 | 36419530 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: Credit uploaded see [Redacted]* Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002576 | 36419532 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment [Redacted]: [Redacted] received valid COC document Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002576 | 36419533 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Sr loan note or mortgage statement not found in the file | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002576 | 36419534 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is- 2nd lien Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please waive/accept as-is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002499 | 36419537 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR Fail, credit report not found in the file. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: See credit report provided |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002499 | 36419538 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: See credit report provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002499 | 36419539 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment [Redacted]: Credit report received |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002499 | 36419540 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | File is missing credit report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see credit report provided Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002499 | 36419541 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: accept as is- [Redacted] guidelines state PDI needed if FEMA in last [Redacted] mths- disaster is [Redacted] Buyer Comment [Redacted]: accept as is- per [Redacted] guidelines PDI only needed if FEMA in last [Redacted] mths, Disaster is fom [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002499 | 36419542 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002499 | 36419543 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | File is missing credit report. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit Buyer Comment [Redacted]: See credit report provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002499 | 36419544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk, credit report not found in the file. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: See credit report provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002499 | 36419545 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Senior lien not found in the file. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: senior lien statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002546 | 36419549 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note - Senior Lien is missing. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002546 | 36419553 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002564 | 36419554 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is - outside of [Redacted] year req |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002564 | 36419555 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please clear secondary value as it is in file: [Redacted] AVMs- [Redacted] ([Redacted]) and [Redacted] ([Redacted]) Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002564 | 36419556 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary 1008 document is missing in the file. | Reviewer Comment [Redacted]: Approval document on file Buyer Comment [Redacted]: pg [Redacted] Buyer Comment [Redacted]: Client 1008 is doc [Redacted] (pg [Redacted]) . |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002564 | 36419558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] Received disclosure summary showing CD viewed by borrower on [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002564 | 36419559 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Evidence of the senior not found in the file. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002532 | 36419561 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002532 | 36419564 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Signed) | [Redacted] Mortgage Lending Regulations: Net Tangible Benefit Worksheet not signed by borrower. | [Redacted] Net Tangible Benefit Worksheet not signed by borrower. | Reviewer Comment [Redacted]: [Redacted] Net Tangible Benefit Worksheet signed copy, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002532 | 36419565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing mortgage statement or Note on 1st lien to verify P & I payment. | Reviewer Comment [Redacted]: Provided most recent mortgage statement Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002535 | 36419566 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002535 | 36419568 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Mortgage statement or Note agreement to determine P & I payment on 1st lien of subject property. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002536 | 36419571 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: PDI, cleared Buyer Comment [Redacted]: doc attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002536 | 36419572 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002536 | 36419574 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | Individual Loan Originator not NMLS licensed or registered at time of application. Per NMLS, Original Issue Date: [Redacted]. | Reviewer Comment [Redacted]: Updated per NMLS Database provided. Buyer Comment [Redacted]: NMLS showing [Redacted] Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Exception not addressed Buyer Comment [Redacted]: this Lien 1st mortgage statement for your records. Not doc related to the exception |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002494 | 36419577 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002494 | 36419578 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First Lien Note or recent mortgage statement was not provided. | Reviewer Comment [Redacted]: Provided recent mortgage statement Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002526 | 36419580 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002526 | 36419581 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Title search in file Buyer Comment [Redacted]: See title report for second lien Buyer Comment [Redacted]: See title document for second lien |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002526 | 36419582 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: accept as is grade B. Per [Redacted] guidelines- FEMA disaster occurring within last [Redacted] mth require PDI. Disaster notated is form [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002526 | 36419585 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First Lien Note or recent mortgage statement was not provided. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002523 | 36419587 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | [Redacted] loan note or mortgage statement not found in the file. | Reviewer Comment [Redacted]: Received and associated Mortgage Statement. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | C | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002523 | 36419588 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Old disaster Buyer Comment [Redacted]: Please see AVM, house was built in [Redacted] which was after the disaster. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | C | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002523 | 36419589 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: the client elects to waive s is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | C | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002523 | 36419590 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided does not support the qualifying value. Sec ID: 52 | Loan is to be securitized. AVM provided does not support the qualifying value. | Reviewer Comment [Redacted]: AVM supports the value Buyer Comment [Redacted]: The higher value was used for calculations, and the lower is within [Redacted]% which is allowed by the guidelines. |
[Redacted] | No | 1 | C | A | A | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | C | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002523 | 36419591 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Provide additional assets to meet the closing requirement. | Reviewer Comment [Redacted]: Received and associated Invoice for Other: Liquid Assets. Exception cleared. Buyer Comment [Redacted]: See docs attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | C | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002496 | 36419593 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Monthly child support expense stated on Final 1003. Supporting documentation to verify payment amount has not been provided. | Reviewer Comment [Redacted]: Received, cleared Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002496 | 36419594 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Received full appraisal indicating no damage Buyer Comment [Redacted]: appraisal uploaded Buyer Comment [Redacted]: there is an appraisal in the file- please cancel Buyer Comment [Redacted]: Full appraisal done after disaster ended |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002496 | 36419595 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002496 | 36419596 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First lien Note or Mortgage statement has not been provided. | Reviewer Comment [Redacted]: Provided most recent Mortgage statement Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002496 | 36419597 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: Received full appraisal Buyer Comment [Redacted]: See FNMA CU score as the secondary valuation |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002496 | 36419598 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | Missing valuation product. | Reviewer Comment [Redacted]: AVM is not required as full appraisal is on file Buyer Comment [Redacted]: ssr Buyer Comment [Redacted]: FNMA ssr is a [Redacted] with appraisal Buyer Comment [Redacted]: full appraisal provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002541 | 36419599 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | The file was missing a copy of the Note - Senior Lien. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002541 | 36419601 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002541 | 36419603 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | The Closing Disclosure was not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received earliest receipt of ICD. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002584 | 36419604 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax Verification document is missing in the file. | Reviewer Comment [Redacted]: Received property taxes Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002652 | 36419607 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized - The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002652 | 36419608 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized - The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002824 | 36419611 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment [Redacted]: Received and associated Fraud Report. Exception cleared. Buyer Comment [Redacted]: See attached Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002824 | 36419614 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: HPML Attestation, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002824 | 36419615 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: HPML Attestation, cleared Buyer Comment [Redacted]: doic attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002824 | 36419616 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] did not disclose the reason the loan will not have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received corrected PCCD with issue date as [Redacted] but as per timestamp the CD was generated on [Redacted]. Also, LOE to borrower is not provided. Please provide LOE to accompanying CD and confirm the correct CD issue date on same LOE or corrected PCCD with correct issue date. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002859 | 36419620 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1002838 | 36419624 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Secondary valuation is missing for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002838 | 36419625 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Secondary valuation is missing for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002542 | 36419629 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. A valid COC was not provided in the file. | Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the appraisal fee was added on CD and was not disclosed at the time initial disclosures. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment [Redacted]: See change of circumstance provided - 2nd usually only require an avm but in this case, a full appraisal was needed. Buyer Comment [Redacted]: See change of circumstance. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002548 | 36419632 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. Buyer Comment [Redacted]: Please clear |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002548 | 36419633 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002548 | 36419634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: accept as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002548 | 36419635 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: credit Buyer Comment [Redacted]: Please review credit again. Representative score per report is [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002638 | 36419636 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002638 | 36419637 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002606 | 36419639 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. |
The client elects to waive. | [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted],Aggregator |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002606 | 36419640 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002606 | 36419641 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002606 | 36419642 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002711 | 36419645 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002711 | 36419646 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002711 | 36419647 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002660 | 36419650 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002660 | 36419651 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002660 | 36419652 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002490 | 36419655 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002490 | 36419656 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002490 | 36419657 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002684 | 36419661 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002684 | 36419662 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002848 | 36431131 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002708 | 36429192 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002708 | 36429193 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002708 | 36431344 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001482 | 36464607 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001482 | 36464615 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001482 | 36464616 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001482 | 36464623 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Evidence the loan disbursed on [Redacted]was provided. Seller Comment [Redacted]: Here is a copy of our funding report showing it was disbursed on the [Redacted]. Thanks [Redacted] Reviewer Comment [Redacted]: The file contains the signed Final CD and an unsigned Settlement Statement both reflecting a disbursement date of [Redacted]. To cure this exception we need something signed by the title agent reflecting the true disbursement date of [Redacted]. Seller Comment [Redacted]: per escrow officer Yes, this file was disbursed on[Redacted]. Thanks [Redacted] Reviewer Comment [Redacted]: Provide a final signed OR stamped (by closing agent) closing statement that verifies disbursement date. Seller Comment [Redacted]: Since this was not a purchase we did not have an [Redacted] signed at closing. Thanks [Redacted] Reviewer Comment [Redacted]: The Final Settlement Statement is neither signed and/or stamped by the Title Agent. Seller Comment [Redacted]: final settlement statement Reviewer Comment [Redacted]: Earliest eligible disbursement date is [Redacted]. Seller Comment [Redacted]: Right to Cancel |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002817 | 36441662 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002817 | 36441663 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002817 | 36441664 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. A Final policy was not provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002817 | 36442016 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002834 | 36469286 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002834 | 36469287 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002801 | 36499195 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002973 | 36470126 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002973 | 36470127 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002973 | 36471454 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The most recent [Redacted] months or the length of the mortgage must be documented for the subject property. Primary mortgage was transferred into Borrower's name from ex. [Redacted] months documentation was provided. A Lender exception was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: Attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002973 | 36471846 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002802 | 36472042 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002427 | 36470542 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002427 | 36472534 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002955 | 36471925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002955 | 36471926 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002955 | 36490166 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002920 | 36489052 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002920 | 36489053 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002920 | 36489055 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002920 | 36489087 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Evidence the installment loans were being paid by someone else was provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002920 | 36489225 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Reviewer Comment [Redacted]: Evidence the installment loans were being paid by someone else was provided. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002920 | 36489226 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the 1008, the two installment payments to [Redacted] totaling $[Redacted] per month were not included in the DTI. | Reviewer Comment [Redacted]: Evidence the installment loans were being paid by someone else was provided. Seller Comment [Redacted]: They provided documentation to show the debt was paid by another party LOE and bank statement/transaction history and credit supp attached. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002920 | 36489227 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: Evidence the installment loans were being paid by someone else was provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002920 | 36489228 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Reviewer Comment [Redacted]: Evidence the installment loans were being paid by someone else was provided. Reviewer Comment [Redacted]: [Redacted] received [Redacted] CD. However, the [Redacted] CD is testing as the Final CD, as the consummation date was also on [Redacted]. See notary on Security Instrument & signing date of [Redacted]. The [Redacted] CD provided does not reflect proof of receipt by borrower. Please provide proof when provided. Seller Comment [Redacted]: Final signed CD attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002920 | 36489229 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: signed Reviewer Comment [Redacted]: Provide the signed/stamped copy of the settlement statement from the settlement company to verify disbursement date. Seller Comment [Redacted]: Right to cancel attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002750 | 36490277 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002750 | 36490293 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002750 | 36498703 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for rural zoning. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002412 | 36536561 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Received and associated Title Preliminary . Exception cleared. Seller Comment [Redacted]: prelim attached Seller Comment [Redacted]: Prelim Reviewer Comment [Redacted]: Missing title. Seller Comment [Redacted]: title Seller Comment [Redacted]: TPOL |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002412 | 36536564 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002412 | 36536565 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002412 | 36536570 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002412 | 36538370 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Not all payoffs were disclosed on Final Disclosure issued on [Redacted]. Additional payoffs were added to post-closing disclosure issued [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Seller Comment [Redacted]: updated 1008 & 1003 Seller Comment [Redacted]: 1008,1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002412 | 36538497 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at risk due to calculated investor qualifying total debt ratio of [Redacted]% exceeds guideline total debt ratio of [Redacted]%. Not all payoffs were disclosed on Final Disclosure issued on [Redacted]. Additional payoffs were added to post-closing disclosure issued [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002412 | 36538498 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Not all payoffs were disclosed on Final Disclosure issued on [Redacted]. Additional payoffs were added to post-closing disclosure issued [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002412 | 36538500 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is at risk due to calculated investor qualifying total debt ratio of [Redacted]% exceeds guideline total debt ratio of [Redacted]%. Not all payoffs were disclosed on Final Disclosure issued on [Redacted]. Additional payoffs were added to post-closing disclosure issued [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002849 | 36538326 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002873 | 36546169 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002873 | 36547292 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject property is rural and ineligible per guidelines. Lender requested exception for rural property. Lender exception approved. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive/regrade with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003048 | 36539722 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003048 | 36539723 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003048 | 36539727 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003048 | 36552257 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception requested for current second mortgage lacking [Redacted] months seasoning. Comp factors - LTV <[Redacted]% ([Redacted]% less than guideline maximum), FICO >[Redacted] ([Redacted] points higher than guideline minimum). | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception approved |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002932 | 36530675 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002932 | 36530676 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002932 | 36531738 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001481 | 36562964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001481 | 36562972 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: PCI attached Reviewer Comment [Redacted]: Secondary valuation was not provided Seller Comment [Redacted]: Note attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001481 | 36562974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001481 | 36562978 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Title commitment, cleared Seller Comment [Redacted]: all title documents attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001481 | 36562982 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Most recent paystub with a YTD total of income.OR a WVOE including a YTD total of income was not provided. | Reviewer Comment [Redacted]: Recent paystubs, cleared Seller Comment [Redacted]: ALL INCOME DOCS ATTACHED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001481 | 36562987 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment [Redacted]: Hazard Insurance Policy, cleared Seller Comment [Redacted]: HAZARD ATTACHED |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001481 | 36562999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is at risk due to missing income documentation. Most recent paystub with a YTD total of income.OR a WVOE including a YTD total of income was not provided. | Reviewer Comment [Redacted]: Paystubs received, cleared Seller Comment [Redacted]: INCOME DOCS |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001481 | 36563001 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at risk due to missing income documentation. Most recent paystub with a YTD total of income.OR a WVOE including a YTD total of income was not provided. | Reviewer Comment [Redacted]: Paystubs received, cleared |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001481 | 36564137 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First Lien Note and Most recent mortgage statement for the first lien must be provided dated within [Redacted] days of the note date. | Reviewer Comment [Redacted]: Received and associated Note -Senior Lien. Exception cleared. Seller Comment [Redacted]: First lien note attached Reviewer Comment [Redacted]: Need the first lien note Seller Comment [Redacted]: note attached Reviewer Comment [Redacted]: Need the note or a mortgage statement for the senior lien Seller Comment [Redacted]: signed docs |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003072 | 36563336 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003072 | 36563355 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: Please waive risk grade [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003072 | 36563357 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003072 | 36563382 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003072 | 36563392 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Received Title Preliminary. Exception Cleared. Seller Comment [Redacted]: Tittle Seller Comment [Redacted]: title docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003072 | 36563401 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment [Redacted]: The HOI policy was provided. Seller Comment [Redacted]: HOI provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003072 | 36563404 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | The first lien note and Most recent mortgage statement for the first lien must be provided dated within [Redacted] days of the note date. | Reviewer Comment [Redacted]: The Note and mortgage statement were provided. Seller Comment [Redacted]: Docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003072 | 36563418 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing income documentation. Unable to verity income due to, missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003072 | 36563419 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | Unable to verity income due to, missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003072 | 36563420 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Unable to verity income due to, missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. Seller Comment [Redacted]: income docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003072 | 36564600 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI could not be calculated due to unable to verity income. Missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. Seller Comment [Redacted]: income docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003072 | 36564614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Unable to verity income due to, missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. Seller Comment [Redacted]: Income documents |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003072 | 36564615 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - No Income Provided | General QM: No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Unable to verity income due to, missing W-2's and Paystub, or WVOE. | Reviewer Comment [Redacted]: Received paystub and W-2 for [Redacted]; income has been calculated and DTI is now in place. Exception Cleared. Seller Comment [Redacted]: Income docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002855 | 36547291 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002855 | 36547320 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002855 | 36547324 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002855 | 36547327 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002855 | 36547333 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002707 | 36551762 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002707 | 36551764 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002707 | 36551766 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002665 | 36544987 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002665 | 36544995 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002887 | 36569180 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002886 | 36574164 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002781 | 36578398 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002515 | 36576012 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | The appraisal reflects the subject is owner-occupied; however, this is a refinance of an investment property. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see corrected 1003 in trailing docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | N/A | No | |||||||||||||
| GCAT2026CES1002515 | 36576013 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in the file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | N/A | No | ||||||||||||||
| GCAT2026CES1002515 | 36576014 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] | The secondary valuation does not support the appraised value within [Redacted]%. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CDA Reviewer Comment [Redacted]: The avm did not support the value within [Redacted]%, a higher product is required. Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: A secondary valuation is required for securitization purposes. You can accept this as is with a [Redacted] grade. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | A | A | C | A | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | N/A | No | |||||||||||||||
| GCAT2026CES1002515 | 36576015 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | - | Appraisal reflects that the subject property is owner-occupied. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | N/A | No | |||||||||||||
| GCAT2026CES1002515 | 36576016 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the final 1003, the borrower has lived in current primary for [Redacted] months. Missing [Redacted] months of pay history for current primary and a rent-free letter for prior [Redacted] months to complete [Redacted] months of housing history. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Please see page [Redacted], updated 1003 Reviewer Comment [Redacted]: The co-borrower, [Redacted], has lived at [Redacted] for [Redacted] months according to the final 1003. Prior to this, she lived rent free at [Redacted], also per the final 1003. To verify a [Redacted]-month housing history for [Redacted], we need a rent-free letter from whoever she lived rent free with prior to moving into [Redacted]. If she has lived at [Redacted] than [Redacted] months (at least [Redacted] months), then [Redacted] final 1003 needs to be corrected. We understand that [Redacted] has lived at [Redacted] for a year and [Redacted] months, but based on the final 1003 for [Redacted], [Redacted] has not. Buyer Comment [Redacted]: 1003 primary [Redacted] years - guides require [Redacted] month housing history Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: Missing rent free letter for [Redacted] prior residence. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | C | A | N/A | No | ||||||||||||||
| GCAT2026CES1002640 | 36576043 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation and Corrected CD. Buyer Comment [Redacted]: see doc Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002640 | 36576044 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see doc Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002640 | 36576045 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted]did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see *[Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002640 | 36576046 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received PCCD. Missing LOE to borrower. Buyer Comment [Redacted]: see pccd *[Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002640 | 36576047 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: [Redacted] received Post CD,LOX and Copy of refund check. However, we would also require Proof of mailing in order to cure the exception. Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: The file reflects that a Change of Circumstance (COC) was received on [Redacted], indicating that the credit fee increased due to a merged credit flip from pre-approval. However, the loan documentation shows that the merged credit report is dated [Redacted], and the fee increase was disclosed on the CD dated [Redacted], which is more than three business days after the credit report date. Accordingly, the three-business-day redisclosure timeline was not met between the merged credit report dated [Redacted] and the issuance of the COC on [Redacted]. In addition, the file does not contain documentation supporting a pre-approval credit pull, which is required to validate the justification for the merged credit flip and associated fee increase. Due to the untimely disclosure and missing supporting documentation, a cure is required. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002640 | 36576048 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: avm + inspection in file- [Redacted] |
No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1002640 | 36576049 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as s Buyer Comment [Redacted]: please accept as is |
No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1002511 | 36576050 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1002511 | 36576051 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: avm plus pci per guidelines in file Reviewer Comment [Redacted]: An inspection report does not give value so it is not consider a separate evaluation. Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: please waive/accept as is, clear data avm + pci in file |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1002511 | 36576054 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] on Final Closing Disclosure provided on [Redacted] is underdisclosed. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax/ $[Redacted] ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | N/A | Non QM | Yes | |||||||||||
| GCAT2026CES1002511 | 36576055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted]. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD; however, LOE to borrower not received. Provide LOE to borrower. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | N/A | Non QM | Yes | |||||||||||
| GCAT2026CES1002511 | 36576056 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | D | A | C | B | A | A | N/A | Non QM | Yes | ||||||||||||
| GCAT2026CES1002511 | 36576057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: [Redacted] received PCCD. Property costs reflected on PCCD of $[Redacted]. Loan file indicates Costs of $[Redacted]. These itemized costs of ($[Redacted] tax/ $[Redacted] ins) totaling $[Redacted]. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | D | A | C | B | A | A | N/A | Non QM | Yes | |||||||||||
| GCAT2026CES1002511 | 36576058 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD and LOE. Buyer Comment [Redacted]: LOE Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD; however, LOE to borrower not received. Provide LOE to borrower. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | N/A | Non QM | Yes | |||||||||||
| GCAT2026CES1002511 | 36576059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [Redacted] has a private landlord. Verification of Rent was provided. Require canceled checks or bank statements documenting the most recent [Redacted] months of payments. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Received and associated bank statements documenting the most recent [Redacted] months of payments verified. Exception cleared. Buyer Comment [Redacted]: see attached statements |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1002552 | 36576060 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report document is missing in the file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: credit report Reviewer Comment [Redacted]: Received the credit report; however, it is not clearly readable. A clear credit report is required. Exception Remains. Buyer Comment [Redacted]: credit Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002552 | 36576061 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file contained two AVMs | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002552 | 36576064 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit uploaded Reviewer Comment [Redacted]: Received the credit report; however, it is not clearly readable. A clear credit report is required. Exception Remains. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002552 | 36576066 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit document is missing in the file. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit uploaded Reviewer Comment [Redacted]: Credit report is not legible. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002552 | 36576067 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Credit document is missing in the file. | Reviewer Comment [Redacted]: Credit report received |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002552 | 36576068 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator loan designation of Safe Harbor QM (APOR) does not match due diligence loan designation of QM. | Reviewer Comment [Redacted]: Credit report received Reviewer Comment [Redacted]: Credit report is not legible. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002552 | 36576069 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Credit report received Reviewer Comment [Redacted]: Credit report is not legible. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002552 | 36576070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Credit report received Reviewer Comment [Redacted]: Credit report is not legible. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002552 | 36576071 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to credit report is missing in the file. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: credit uploaded Reviewer Comment [Redacted]: Credit report is not legible. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002552 | 36576072 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing copy of the first lien note or mortgage statement. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: 1st lien statement |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002544 | 36576082 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: more than [Redacted] months- FEMA- please clear/waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002544 | 36576083 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please waive/accept as is Buyer Comment [Redacted]: Please waive accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002544 | 36576084 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note - Senior Lien is not provided. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002544 | 36576085 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: Credit Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002544 | 36576086 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002544 | 36576087 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002544 | 36576088 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: per lender's compliance report this is a QM higher priced Buyer Comment [Redacted]: client compliance report in file shows QM higher priced |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576089 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576090 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: client compliance report in file shows QM higher priced Buyer Comment [Redacted]: per lender's compliance report this is a QM higher priced |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576092 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576093 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576094 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576095 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Credit Report is not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002544 | 36576097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002544 | 36576098 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) [Redacted] Rate Spread Home Loan (Ability to Repay Requirements Not Met) | [Redacted]a Rate Spread Home Loan: Ability to repay requirements not met. | Credit Report is not provided. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] Rate Spread Home Loan threshold exception. | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002544 | 36576099 | Compliance | Compliance | State Compliance | State HPML | [Redacted] Rate Spread Threshold Test Non-Compliant | [Redacted] Rate Spread Home Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Rate Spread Home Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Rate Spread Home Loan. | Reviewer Comment [Redacted]: Credit report received Buyer Comment [Redacted]: lender's compliance report shows QM higher priced |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002544 | 36576100 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | No Closing Disclosure issued less than [Redacted] days prior to closing and received by the borrower less than [Redacted] business days prior to closing. Required Fields. | Reviewer Comment [Redacted]: [Redacted] received disclosure tracking for initial CD. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002544 | 36576101 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosure tracking for initial LE. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002504 | 36576105 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted] | Reviewer Comment [Redacted]: Received updated hazard insurance Buyer Comment [Redacted]: HOI |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002504 | 36576106 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive Buyer Comment [Redacted]: accept as is. Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: AVM Buyer Comment [Redacted]: PCI |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002504 | 36576107 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive Buyer Comment [Redacted]: accept as is. Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: ClearAVM + Property Condition Inspection Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002504 | 36576109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower, and the file did not contain a valid COC for the addition of the fee. | Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted]. Buyer Comment [Redacted]: COC Buyer Comment [Redacted]: PCCD |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002504 | 36576110 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower, and the file did not contain a valid COC for the addition of the fee. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] but the fee was again increased on CD dated [Redacted] seems loan amount was changed again but there is no COC present in to document the change. Please provide COC with reason for increase in fee or cure would be required. Buyer Comment [Redacted]: PCCD |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002504 | 36576111 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower, and the file did not contain a valid COC for the addition of the fee. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: "PCCD" "mailing" "Check" "loe" Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] which is not valid reason. Kindly provide a valid reason as to why the transfer tax or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment [Redacted]: COC Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] but there is no reason provided for increase in transfer taxes. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment [Redacted]: COC Buyer Comment [Redacted]: PCCD |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002504 | 36576112 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for paying off loan modification. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
FICO [Redacted] | [Redacted],Aggregator [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002539 | 36576116 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received initial LE and disclosures summary. Buyer Comment [Redacted]: doc attached Buyer Comment [Redacted]: The Initial cd was issued and and acknowledged electronically per the log in file (as highlighted on the esign tracking). The final CD was also issued on [Redacted] with no variances as noted on the esign log in file. The FCD was wet signed at closing on [Redacted]. Reviewer Comment [Redacted]: CD [Redacted] is located in file and acknowledged by borrower on [Redacted]. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower [Redacted] business days prior to review. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002539 | 36576117 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received proof of earlier electronic receipt. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002539 | 36576119 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002539 | 36576120 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First lien Note or recent mortgage statement was not provided. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002478 | 36576122 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First lien Note or statement was not provided to verify P & I payment and interest rate. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002478 | 36576123 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: disaster over [Redacted] year timeline requirement for inspection |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002478 | 36576124 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please waive/accept as is Buyer Comment [Redacted]: please waive accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002530 | 36576125 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002530 | 36576126 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: FEMA is from [Redacted]. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002530 | 36576127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Senior loan note or mortgage statement not found in the file. | Reviewer Comment [Redacted]: Provided most recent mortgage statement verifying P&I Buyer Comment [Redacted]: statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002530 | 36576129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | B | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002551 | 36576131 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] Received Valid COC dated [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002551 | 36576132 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First Lien Note or Recent Mortgage statement was not provided to verify P & I payment and interest rate. | Reviewer Comment [Redacted]: Provided most recent statement verifying P&I Buyer Comment [Redacted]: statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002551 | 36576134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002573 | 36576135 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002573 | 36576136 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: [Redacted] AVMs in file - page [Redacted]/[Redacted]/[Redacted] and pg [Redacted]/[Redacted], [Redacted]- both approved per matrix |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002573 | 36576137 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: move then [Redacted] mths please waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002573 | 36576139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted]received disclosure tracking for initial CD. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002573 | 36576141 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification of Employment Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] is over the legal limit. No valid changed circumstance was provided, and no cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002573 | 36576143 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First Lien Note or recent mortgage statement was not provided. | Reviewer Comment [Redacted]: Provided most recent mortgage statement Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002573 | 36576144 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of [Redacted] is less than guideline representative FICO score of [Redacted]. | Reviewer Comment [Redacted]: AVM received reflecting a value of $[Redacted]. LTV is now [Redacted]% Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Guideline matrix indicates maximum CLTV of [Redacted]% with a minimum FICO of [Redacted]. The calculated CLTV for this loan is [Redacted]%. Buyer Comment [Redacted]: Meets guides per matrix Buyer Comment [Redacted]: per matrix, current loan meets credit requirements - primary residence, [Redacted]% ltv, minimum fico [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002654 | 36576146 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002654 | 36576147 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002745 | 36576153 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided. | Reviewer Comment [Redacted]: [Redacted] received initial LE. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002745 | 36576154 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment [Redacted]: Received escrow instructions from title company Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. Buyer Comment [Redacted]: it says [Redacted] Reviewer Comment [Redacted]: Need the title reflecting $[Redacted] policy amount Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002537 | 36576155 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive Buyer Comment [Redacted]: please accept as is as a grade [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002537 | 36576156 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002537 | 36576158 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosure summary for initial CD. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002537 | 36576159 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment [Redacted]: check Reviewer Comment [Redacted]: [Redacted] received cure docs but missing copy of refund check. Copy of refund check required to cure. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002537 | 36576160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. No cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002586 | 36576163 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002604 | 36576170 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002604 | 36576172 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | Loan Estimate [Redacted] page was missing. | Reviewer Comment [Redacted]: [Redacted] received full copy of [Redacted] LE Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002604 | 36576173 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | Loan Estimate [Redacted] page was missing. | Reviewer Comment [Redacted]: [Redacted] received full copy of [Redacted] LE Buyer Comment [Redacted]: * Buyer Comment [Redacted]: le [Redacted] all pages Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002604 | 36576174 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosure Tracking for CD dated [Redacted] received to consumer [Redacted] business days prior to the consummation. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002609 | 36576178 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002609 | 36576180 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received disclosure Tracking for CD dated [Redacted] received to consumer [Redacted] business days prior to the consummation. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002580 | 36576182 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002580 | 36576183 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: ok waive/ accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002580 | 36576185 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Verification of Employment Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] is over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received a valid COC. Buyer Comment [Redacted]: lender rebuttal Reviewer Comment [Redacted]: [Redacted] : The VOE fee of $[Redacted] added on final CD dated [Redacted] and provided corresponding COC does not give sufficient information on why the fee was added on the final CD and was not known prior to and at initial application disclosure and to provide supporting information on when lender become aware of the VOE requirement or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment [Redacted]: Limited review Buyer Comment [Redacted]: Limited review went live [Redacted] does not apply. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002627 | 36576186 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is- per [Redacted] guidelines AVM is allowed if disaster is more than [Redacted] mths (this is from [Redacted]) |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002627 | 36576188 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002524 | 36576192 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002524 | 36576193 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002524 | 36576194 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification documentation not provided. | Reviewer Comment [Redacted]: Received and associated Tax Verification. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002524 | 36576195 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. Buyer Comment [Redacted]: Please clear |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002668 | 36576197 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002668 | 36576198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002668 | 36576199 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002593 | 36576202 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002593 | 36576203 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002593 | 36576204 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002593 | 36576205 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002547 | 36576208 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002547 | 36576209 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end Date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002547 | 36576210 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002591 | 36576211 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002591 | 36576212 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002591 | 36576213 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002559 | 36576215 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002559 | 36576216 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002559 | 36576217 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002531 | 36576220 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002531 | 36576224 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: page [Redacted] of the document uploaded on [Redacted] includes this disclosure signed by borrowers. please clarify. Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002540 | 36576225 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002540 | 36576226 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002540 | 36576227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002540 | 36576228 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | [Redacted] provided. No secondary valuation was provided.. | Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002888 | 36576230 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002888 | 36576231 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002888 | 36576232 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment [Redacted]: Received and associated Fraud Report. Exception cleared. Buyer Comment [Redacted]: Docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002510 | 36576233 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002510 | 36576234 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002510 | 36576235 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002510 | 36576236 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002579 | 36576239 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002579 | 36576240 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002579 | 36576241 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002550 | 36576244 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Credit |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002550 | 36576246 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit report not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002550 | 36576247 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002550 | 36576248 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is at risk due to missing credit report. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002550 | 36576249 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The loan is at risk due to missing credit report. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002550 | 36576250 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing credit report. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002550 | 36576251 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002550 | 36576252 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002550 | 36576253 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002653 | 36576255 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002656 | 36576261 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002656 | 36576263 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated mortgage statement for First Lien. Exception Cleared. Buyer Comment [Redacted]: Please update P&I for 1st mortgage Buyer Comment [Redacted]: MORTGAGE STATEMENT |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002780 | 36576265 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002870 | 36576267 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002870 | 36576269 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | CU score is over [Redacted], a secondary valuation is required. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | D | A | A | A | D | A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002870 | 36576271 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification was not provided. | Reviewer Comment [Redacted]: Received and associated Tax Verification. Exception cleared. Buyer Comment [Redacted]: [Redacted] # [Redacted] Reviewer Comment [Redacted]: Missing tax verification for [Redacted][Redacted]. Buyer Comment [Redacted]: taxes |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002870 | 36576272 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Mortgage statement or Note of first lien of subject property. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002626 | 36576278 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least[Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: This should be waived on second liens. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002626 | 36576279 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least[Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002626 | 36576280 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least[Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002626 | 36576281 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002634 | 36576283 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002634 | 36576284 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002667 | 36576286 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002667 | 36576287 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002667 | 36576289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002667 | 36576290 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002667 | 36576294 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: ACKNOWLEDGMENT OF RECEIPT OF HOME MORTGAGE LOAN Reviewer Comment [Redacted]: The disclosure is not signed by the borrower. Buyer Comment [Redacted]: ACKNOWLEDGMENT OF RECEIPT OF HOME MORTGAGE LOAN |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002667 | 36576295 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [Redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Borrower not provided Right Not To Close Disclosure. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: [Redacted] Consumer Sales Practices Act: |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002617 | 36576298 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002617 | 36576299 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002617 | 36576300 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002617 | 36576301 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Disaster declaration after note date , not applicable. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002672 | 36576303 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002672 | 36576304 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002672 | 36576305 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002945 | 36576312 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002945 | 36576313 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002945 | 36576314 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003060 | 36576316 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003060 | 36576317 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003065 | 36576319 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003065 | 36576320 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003055 | 36576322 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003062 | 36576324 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003056 | 36576330 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003056 | 36576331 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003064 | 36576334 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003064 | 36576338 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The reconsideration of value reflects commentary from the appraiser that the add'l information would not change his opinion of value, however at the bottom of the page, the value is raised to $[Redacted], please explain. | Reviewer Comment [Redacted]: Explanation provided. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026CES1003064 | 36592528 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Max DTI is [Redacted]% but can go to [Redacted]% with an exception. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1003064 | 36592533 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment [Redacted]: The client waived the DTI discrepancy so the loan is no Non QM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | A | B | A | B | A | B | A | A | Non QM | Non QM | Yes | |||||||||||||||||
| GCAT2026CES1003064 | 36592534 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1003059 | 36576339 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003059 | 36576344 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI up to [Redacted]% with lender exception. | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
Aggregator,[Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003066 | 36576345 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003066 | 36576346 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No secondary valuation was provided. Sec ID: 56 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003066 | 36576347 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002912 | 36576351 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002912 | 36576353 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | [Redacted] Note or it's mortgage statement was not found in the file | Reviewer Comment [Redacted]: Mortgage statement for the senior lien, cleared Buyer Comment [Redacted]: Monthly Mortgage Statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003057 | 36576355 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003057 | 36576356 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1003063 | 36576357 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003063 | 36576358 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003054 | 36576362 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003061 | 36576367 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002796 | 36576370 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002796 | 36576371 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002796 | 36576372 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002796 | 36576373 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002583 | 36576374 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002583 | 36576375 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002583 | 36576377 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003058 | 36576379 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003058 | 36576380 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002752 | 36576384 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002752 | 36576385 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002752 | 36576386 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002687 | 36576387 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002687 | 36576388 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002687 | 36576389 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002800 | 36576392 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002800 | 36576393 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file is missing a copy of Flood Certificate. | Reviewer Comment [Redacted]: Flood Certificate, cleared Buyer Comment [Redacted]: flood cert |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002673 | 36576395 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002673 | 36576396 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is, 2 avms in file, 2 lien buy to guide Buyer Comment [Redacted]: [please waive accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002673 | 36576397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: guides call for fema inspection only if within [Redacted] months Buyer Comment [Redacted]: not needed per lender HELOAN guides unless within [Redacted] months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002790 | 36576399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002790 | 36576400 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002790 | 36576401 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002778 | 36576403 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002778 | 36576404 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002778 | 36576405 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002867 | 36576407 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002867 | 36576408 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002867 | 36576409 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: AVM uploaded to #[Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002867 | 36576410 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002867 | 36576412 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: title Reviewer Comment [Redacted]: The prelim in file shows insured amount of $[Redacted], actual amount should reflect $[Redacted]. Buyer Comment [Redacted]: This is a 2nd lien |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002799 | 36576413 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date [Redacted] | Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002799 | 36576414 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002799 | 36576415 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002657 | 36576418 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002657 | 36576420 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing vvoe dated within [Redacted] business days prior to the Note date for [Redacted]. | Reviewer Comment [Redacted]: Received and associated VVOE. Exception Cleared. Buyer Comment [Redacted]: voe |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002657 | 36576422 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing vvoe for [Redacted] and third party verification of Sch C income with [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002657 | 36576423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing vvoe for [Redacted] and third party verification of Sch C income with [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: voe |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002657 | 36576424 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing vvoe for [Redacted] | Reviewer Comment [Redacted]: Received and associated VVOE. Exception Cleared. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002659 | 36576425 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002659 | 36576426 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002659 | 36576427 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided . | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002659 | 36576428 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002840 | 36576430 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002840 | 36576431 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002840 | 36576432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002612 | 36576434 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002612 | 36576435 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002612 | 36576436 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002612 | 36576437 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002612 | 36576440 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan.. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as a level [Redacted]. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002685 | 36576441 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for use of Form [Redacted] is approved. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
FICO [Redacted] | [Redacted],Aggregator [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002685 | 36576442 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
FICO [Redacted] | [Redacted],Aggregator [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002685 | 36576443 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002714 | 36576448 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002714 | 36576449 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Underwriter didn't consider Debts for that we do not have any proof of pay off so considered for DTI. | Reviewer Comment [Redacted]: Received and associated closing disclosure for proof of debts payoff. Exception Cleared. Buyer Comment [Redacted]: there is another loan for this borrower please see CD , add'l debts paid |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002986 | 36576453 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002986 | 36576454 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002917 | 36576456 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; Disaster Declaration Date: ___; Most Recent Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002917 | 36576458 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002917 | 36576459 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002917 | 36576460 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002488 | 36579264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received earliest receipt of initial CD. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002488 | 36579265 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received earliest receipt of final LE. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002488 | 36579266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received valid COC documents. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002488 | 36579267 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received valid COC documents. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002488 | 36579268 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note - Senior Lien is missing. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002488 | 36579269 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: accept as is- grade [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002488 | 36579270 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002816 | 36644322 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: An updated title commitment with correct policy amount was provided. Seller Comment [Redacted]: attached title |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002816 | 36644325 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | . | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002816 | 36645721 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Reviewer Comment [Redacted]: Evidence of Taxpayer Consent was provided. Seller Comment [Redacted]: attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002933 | 36595543 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002933 | 36595587 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002933 | 36595711 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002933 | 36595726 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002600 | 36642874 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001484 | 36610802 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: PDI provided. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001484 | 36610827 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1001484 | 36610832 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1001484 | 36610835 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1001484 | 36610836 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1001484 | 36610848 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification not provided. | Reviewer Comment [Redacted]: Received and associated HOA verification for [Redacted]. Exception cleared. Seller Comment [Redacted]: We received your payment for [Redacted]. Payment Transaction Number: [Redacted] Payment Amount: $[Redacted] Payment Date: [Redacted] Property ID: [Redacted] Method of Payment: [Redacted] Please contact [Redacted] for questions regarding your property. Please contact customer service at [Redacted] for questions or visit Property |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002954 | 36662556 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002954 | 36662578 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002954 | 36662587 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003031 | 36666574 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003031 | 36666612 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: An AVM was provided. Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003032 | 36670028 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003032 | 36670029 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1003032 | 36670034 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1003032 | 36680645 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment [Redacted]: Received letter of explanation for Insurance not required. Exception Cleared. Seller Comment [Redacted]: No Ins, LOX Seller Comment [Redacted]: LOX |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002988 | 36671663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment [Redacted]: Non-QM |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002988 | 36671664 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | Missing most recent personal and business tax returns and schedule K-1. Only signature pages of tax returns were provided in file. | Reviewer Comment [Redacted]: The loan meets guideline requirements for [Redacted] year full doc. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002988 | 36671677 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002988 | 36671679 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002988 | 36671682 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] K-1 and complete personal and business tax returns for [Redacted] including all schedules. Only signature pages of tax returns were provided. | Reviewer Comment [Redacted]: The missing income docs were provided. Seller Comment [Redacted]: full [Redacted] returns Seller Comment [Redacted]: docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002988 | 36671693 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: The loan meets guideline requirements for [Redacted] year full doc. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002874 | 36673898 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1003095 | 36693873 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003095 | 36693875 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003095 | 36693877 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003117 | 36693530 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank, provide Supplement report reflecting policy amount. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: The same Preliminary Title was provided and this does not have a policy amount for the [Redacted] that will be issued. Seller Comment [Redacted]: title attached |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003117 | 36693531 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003117 | 36693533 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: appraisal attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003117 | 36693538 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Seller Comment [Redacted]: appraisal attached |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003070 | 36693218 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003070 | 36693220 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003070 | 36693221 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001486 | 36691555 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit uploaded Buyer Comment [Redacted]: credit |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001486 | 36691556 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Source of Value of Property was not determined. Stated value used from internal lender document. Require AVM within [Redacted] days of note date with Exterior Inspection or Traditional Full Appraisal within [Redacted] days of note date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: AVM uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001486 | 36691557 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Recent 1st lien Mortgage statement or Original Note was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001486 | 36691558 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | A Property condition Inspection Fee was charged to the Borrower on the Final Closing Disclosure. A copy of the report was not provided in the loan file. | Reviewer Comment [Redacted]: Provided PDI reflecting no damage Buyer Comment [Redacted]: inspection |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001486 | 36691560 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001486 | 36691561 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001486 | 36691563 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit Report was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691564 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to calculated DTI exceeding guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: credit uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691565 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: credit uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691566 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance appears to be due to Non-REO expenses. No evidence of payoffs of debt due as listed on the Final 1003. A Credit report or credit supplement was not provided to verify debts at loan origination. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691567 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM (APOR) Fail due to: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. A Credit report was not provided. | Reviewer Comment [Redacted]: Client elects to waive DTI exception with compensating factors. Designation updated to Safe Harbor QM (APOR) Buyer Comment [Redacted]: exception approval uploaded Reviewer Comment [Redacted]: The lender exception form provided does not state the exception request was approved. Buyer Comment [Redacted]: exception Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Reviewer Comment [Redacted]: The calculated dti exceeds [Redacted]%. Buyer Comment [Redacted]: credit uploaded |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001486 | 36691568 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit Report was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit now uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691569 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit Report was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001486 | 36691570 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received LOX and snip of requested third party VOE. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance form in file, however, the [Redacted] LE COC states Verification of Employment/Income fee, but did not give information to support why this fee was added and was not known for the initial LE. What information was unknown to lender and when did they become aware. COC should meet the regulatory requirements and is clarified in TRID GRID 4.0 which states: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. Please provide additional information and documentation to support a valid changed circumstance. Buyer Comment [Redacted]: COC letter in file for both VOEs Buyer Comment [Redacted]: COC in file for both voes |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001486 | 36691571 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance appears to be due to Non-REO expenses. No evidence of payoffs of debt due as listed on the Final 1003. A Credit report or credit supplement was not provided to verify debts at loan origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive with compensating factors Buyer Comment [Redacted]: exception approval Reviewer Comment [Redacted]: The document provided is an exception request submission and summary only. It does not indicate approval, as it states the request is subject to review and final decision. Exception remains. Buyer Comment [Redacted]: exception Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: The calculated dti exceeds [Redacted]%. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit uploaded |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001486 | 36691572 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | The file is missing a copy of the credit report. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001486 | 36691573 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: check Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD, LOE and Proof of Mailing; however, Copy of check not received. Provide copy of check. Buyer Comment [Redacted]: Doc Uploaded Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted] for adding the property inspection report fee but the reason provided is not sufficient to re-baseline the fee. Required more information as to what changes has been received to lender that has required the property inspection report or cure would be required. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance form in file, however, the [Redacted] CD COC states Appraisal/Additional Valuation product/Update Required, Additional appraisal product, information update - Fee Property Condition Inspection fee & Verification of Employment Fee. but did not give information to support why this fee was added and was not known for the initial LE. What information was unknown to lender and when did they become aware. COC should meet the regulatory requirements and is clarified in TRID GRID 4.0 which states: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. Please provide additional information and documentation to support a valid changed circumstance. Buyer Comment [Redacted]: COC for inspection in file. Buyer Comment [Redacted]: see coc letter pg [Redacted]/ [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001486 | 36691574 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment [Redacted]: [Redacted] received LOX and snip of requested third party VOE. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance form in file, however, the [Redacted] CD COC states Appraisal/Additional Valuation product/Update Required, Additional appraisal product, information update - Fee Property Condition Inspection fee & Verification of Employment Fee. but did not give information to support why this fee was added and was not known for the initial LE. What information was unknown to lender and when did they become aware. COC should meet the regulatory requirements and is clarified in TRID GRID 4.0 which states: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. Please provide additional information and documentation to support a valid changed circumstance. Buyer Comment [Redacted]: Coc letter in file for changes Buyer Comment [Redacted]: COC in file for both VOEs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001486 | 36691575 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive with compensating factors Buyer Comment [Redacted]: exception approval uploaded Reviewer Comment [Redacted]: The lender exception form provided does not state the exception request was approved. Buyer Comment [Redacted]: Exception dti Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001486 | 36691576 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Client elects to waive DTI exception with compensating factors. Designation updated to Safe Harbor QM (APOR) Buyer Comment [Redacted]: exception approval uploaded Reviewer Comment [Redacted]: The lender exception form provided does not state the exception request was approved. Buyer Comment [Redacted]: exception dti Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001486 | 36691578 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is (avm + inspection) Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: there is a avm and inspection in the file |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||||
| GCAT2026CES1002512 | 36691583 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. Security Instrument notarized on [Redacted]. | Reviewer Comment [Redacted]: An [Redacted] Affidavit was provided reflecting the Notary date was incorrect and should have been [Redacted]. Buyer Comment [Redacted]: The [Redacted] affidavit that was sent in shows that the notary date was an error and should have been [Redacted]. Please see document previously provided. Reviewer Comment [Redacted]: The transaction date is [Redacted], as this is the date the Notary was signed and dated on the security instrument. Based on this, the expected transaction date[Redacted], expected expiration date on RTC is [Redacted], and expected disbursement date is [Redacted]. Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Provide the final, stamped/signed settlement statement from settlement company to verify disbursement date. Buyer Comment [Redacted]: CD Reviewer Comment [Redacted]: The final CD is not dated by the borrower, therefore the mailbox rule applies, creating a transaction date of [Redacted]. Do you have a signed and dated copy of the final CD? Buyer Comment [Redacted]: see page [Redacted]/[Redacted] [Redacted] for signed settlement statement already in file Reviewer Comment [Redacted]: Provide signed/stamped closing settlement statement to verify disbursement date. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002512 | 36691584 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date on Notice of Right to Cancel occurs prior to expected date. Right to cancel date [Redacted]. Right to Cancel expected Expiration Date [Redacted]. | Reviewer Comment [Redacted]: An [Redacted] Affidavit was provided reflecting the Notary date was incorrect and should have been [Redacted]. Buyer Comment [Redacted]: The [Redacted] affidavit that was sent in shows that the notary date was an error and should have been [Redacted]. Please see document previously provided. Reviewer Comment [Redacted]: The transaction date is [Redacted], as this is the date the Notary was signed and dated on the security instrument. Based on this, the expected transaction date is [Redacted], expected expiration date on RTC is [Redacted], and expected disbursement date is[Redacted]. Buyer Comment [Redacted]: See docs provided Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The notary date is [Redacted], making this the transaction date as well. RTC expiration date per RTC form is [Redacted]. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The final CD is not dated by the borrower, therefore the mailbox rule applies, creating a transaction date of [Redacted]. Do you have a signed and dated copy of the final CD? Buyer Comment [Redacted]: see page [Redacted] [Redacted]for signed settlement statement already in file Reviewer Comment [Redacted]: Provide signed/stamped closing settlement statement to verify disbursement date. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002512 | 36691585 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | Reviewer Comment [Redacted]: Received and associated AVM. Exception cleared. Buyer Comment [Redacted]: avm uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002512 | 36691586 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment [Redacted]: Received and associated Flood Certificate. Exception cleared. Buyer Comment [Redacted]: flood |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002512 | 36691589 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002512 | 36691590 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: Received and associated AVM. Exception cleared. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002512 | 36691591 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Missing RTC Signature Date for each borrower. | Reviewer Comment [Redacted]: Received RTC signed by both borrowers Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002512 | 36691592 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Mortgage statement or Note of 1st Lien of subject property. | Reviewer Comment [Redacted]: Received first mortgage statement Buyer Comment [Redacted]: statement Reviewer Comment [Redacted]: Provided mortgage statement shows first mortgage P&I as $[Redacted]. However Final 1003 and 1008 are showing '$[Redacted]' which is contradicting and getting DTI discrepancies. In case P&I is higher on the 1008 and 1003 please provide the corrected documents. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002512 | 36691593 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM is provided, 2nd lien file. | Buyer Comment [Redacted]: 2nd lien |
[Redacted] | No | 1 | N/A | A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002498 | 36691595 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file was missing a copy of the E-Sign Consent Agreement. | Reviewer Comment [Redacted]: Provided E-consent disclosure Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691597 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: FEMA disaster inspection received Buyer Comment [Redacted]: fema inspection |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002498 | 36691598 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002498 | 36691599 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing a copy of the Credit Report. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Uploaded to file Buyer Comment [Redacted]: see see [Redacted] |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002498 | 36691600 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | The file was missing a copy of the 1st lien. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002498 | 36691604 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Credit report was not found in file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002498 | 36691605 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit report was not found in file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] Buyer Comment [Redacted]: docx uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691606 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit report was not found in file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691607 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report was not found in file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Credit report was not found in file. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691609 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements were not satisfied. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002498 | 36691610 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report was not found in file, and FICO score was not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002498 | 36691611 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] months of housing history was not found in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: On credit report - state employee[Redacted] balance [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002529 | 36691614 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Please see lender provided calculation and review. Reviewer Comment [Redacted]: Which document are you saying satisfies this exception? The e-sign process summary does not reflect this disclosure. Buyer Comment [Redacted]: pg [Redacted] of initial disclosure package copy - last pages includes audit trail history reflecting sent to borrower Reviewer Comment [Redacted]: Please clarify what doc was provided to satisfy this exception. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Based on compliance report provided, loan is an HPML. Index [Redacted]% plus [Redacted]% is [Redacted]% and final APR is [Redacted]% Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002529 | 36691615 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Please see lender provided calculation and review. Reviewer Comment [Redacted]: Which document are you saying satisfies this exception? The e-sign process summary does not reflect this disclosure. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Please clarify what doc was provided to satisfy this exception. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Based on compliance report provided, loan is an HPML. Index [Redacted]% plus [Redacted]% is [Redacted]% and final APR is [Redacted]% Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002529 | 36691616 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | First lien loan note or mortgage statement not provided. | Reviewer Comment [Redacted]: Provided most recent Mortgage statement Buyer Comment [Redacted]: statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002529 | 36691618 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002594 | 36691620 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002594 | 36691622 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: more than [Redacted] months- please waive- [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002594 | 36691623 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage shortfall is $[Redacted]. | Reviewer Comment [Redacted]: RCE received Buyer Comment [Redacted]: See replacement cost per hazard Buyer Comment [Redacted]: The bottom of page [Redacted] indicates that coverage is based on the cost to rebuild. Please review policy. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002522 | 36691624 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | The file was missing a copy of the Note - Senior Lien. | Reviewer Comment [Redacted]: Mortgage statement received Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002522 | 36691625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in a FEMA Disaster Area. Provide a post disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted], the declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: see guides require only if disaster within last [Redacted] months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002522 | 36691626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please waive/accept as is Buyer Comment [Redacted]: [Redacted] avms in file [Redacted] ([Redacted]) & [Redacted]within [Redacted]% ([Redacted]) . |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002522 | 36691627 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Client states loan is SHQM (APOR) Reviewer Comment [Redacted]: Please see page [Redacted] of the compliance report that shows it failed HPML. Buyer Comment [Redacted]: Client compliance report shows a QM/APOR Buyer Comment [Redacted]: Client's compliance report shows QM APOR |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002522 | 36691628 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Client states loan is SHQM (APOR) Reviewer Comment [Redacted]: Please see page [Redacted] of the compliance report, loan fails HPML. Buyer Comment [Redacted]: client's compliance report shows QM APOR Buyer Comment [Redacted]: Client's compliance report shows as a QM APOR |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002522 | 36691629 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Client states loan is SHQM (APOR) Reviewer Comment [Redacted]: Please see page [Redacted] of the compliance report, loan fails HPML. Buyer Comment [Redacted]: QM/APOR per client's compliance report Buyer Comment [Redacted]: Client's compliance report ([Redacted]) shows this as a QM APOR so would not have to have |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002522 | 36691631 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide LOE as to why the final 1003 reflects subject property as "Pending Sale" on the REO section of the 1003. Additional exceptions may apply if it is pending sale. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002533 | 36691635 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002549 | 36691648 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Loan is to be securitized - The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002549 | 36691649 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized - The file is missing a copy of the secondary valuation required for securitization purposes. | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002549 | 36691650 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive/ accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002602 | 36691655 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: accept as is- [Redacted] guidelines state PDI needed if FEMA in last [Redacted] mths- disaster is [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002602 | 36691656 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002615 | 36691659 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002615 | 36691660 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002581 | 36691663 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002509 | 36691669 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
An PDI was not provided. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002509 | 36691670 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002509 | 36691672 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002605 | 36691678 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response and proof of earlier receipt. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002605 | 36691679 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response and proof of earlier receipt. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002607 | 36691681 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002607 | 36691682 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002607 | 36691683 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002503 | 36691686 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] CMPA Home Loan Toolkit Status | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Toolkit not dated. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: No new docs provided for this exception. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002503 | 36691687 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002503 | 36691688 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002503 | 36691689 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002572 | 36691697 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002572 | 36691698 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002572 | 36691699 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002561 | 36691702 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002561 | 36691703 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002561 | 36691704 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002518 | 36691708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002518 | 36691709 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002518 | 36691710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002674 | 36691714 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002674 | 36691715 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002674 | 36691716 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002674 | 36691717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002675 | 36691719 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002675 | 36691722 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002675 | 36691723 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | . | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002675 | 36691724 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002589 | 36691725 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002589 | 36691726 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002589 | 36691727 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: See avms provided Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002589 | 36691728 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002502 | 36691730 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002502 | 36691731 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002502 | 36691732 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002560 | 36691734 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002571 | 36691739 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002571 | 36691740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002527 | 36691746 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002527 | 36691747 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Secondary valuation for securitization purposes was not provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002527 | 36691748 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002527 | 36691749 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002833 | 36691751 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002616 | 36691754 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002616 | 36691756 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002616 | 36691757 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002698 | 36691758 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002698 | 36691760 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002698 | 36691761 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002698 | 36691762 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002698 | 36691763 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Please see other conditions associated with the credit report. Buyer Comment [Redacted]: The credit report was provided. |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002698 | 36691766 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | ATR is firing due to missing credit report. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002698 | 36691767 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR firing due to missing credit report. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002698 | 36691768 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan desigination is firing due to missing credit report and FICO score. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002698 | 36691769 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002698 | 36691770 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: HPML complaint |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002698 | 36691771 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML PreDF Ability to Repay Reliable Documentation | [Redacted] Higher-Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. | ATR is firing due to missing credit report. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: credit provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002698 | 36691772 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of [Redacted]. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: The credit score of [Redacted] meets guidelines. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002698 | 36691773 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR is firing due to missing credit report to validate if FICO meets guideline. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002698 | 36691774 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. | Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002718 | 36691776 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002718 | 36691777 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002718 | 36691778 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002655 | 36691782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002655 | 36691783 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002655 | 36691784 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002655 | 36691785 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002655 | 36691786 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002655 | 36691788 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Credit report not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002655 | 36691789 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing credit report. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002655 | 36691790 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit report not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002655 | 36691791 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002655 | 36691792 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Credit report not provided. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002508 | 36691797 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002508 | 36691798 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002489 | 36691801 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002489 | 36691802 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002519 | 36691808 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002519 | 36691809 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002690 | 36691815 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002690 | 36691816 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002690 | 36691818 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002624 | 36691819 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002624 | 36691820 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1002624 | 36691821 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002624 | 36691823 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Missing permanent resident alien card. | Reviewer Comment [Redacted]: [Redacted] Notice of Action extending the green card was provided. Seller Comment [Redacted]: Lender provided the attached extension request Reviewer Comment [Redacted]: The permanent resident alien card is expired. Please provide the unexpired card. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||||
| GCAT2026CES1002868 | 36691825 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002868 | 36691826 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002868 | 36691827 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002868 | 36691829 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Third party verification for [Redacted] is not dated. | Reviewer Comment [Redacted]: Client excluded income and provided updated 1003 and 1008. Reviewer Comment [Redacted]: Where is the date this was pulled by lender? Buyer Comment [Redacted]: verification Reviewer Comment [Redacted]: This exception is for the third party verification of business for [Redacted], that is not dated, exception remains. Buyer Comment [Redacted]: voe |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002868 | 36691830 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Please accept as is. | Buyer Comment [Redacted]: tax return year Reviewer Comment [Redacted]: Please accept as is. Buyer Comment [Redacted]: tax docs |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002868 | 36691831 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing updated 1003 and 1008 removing income from [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026CES1002946 | 36691842 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Page [Redacted] of Final 1003 was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See attached Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002946 | 36691845 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | File is missing proof of income for [Redacted]. | Reviewer Comment [Redacted]: Received 1065 included with the [Redacted] for the year [Redacted], also UW worksheet is showing only [Redacted]-year rental income calculation. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002946 | 36691846 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Per [Redacted] approved to update from an [Redacted]and an [Redacted]. [Redacted] on this loan is prior to the exception update that would make this an [Redacted]. Buyer Comment [Redacted]: [Redacted] waived |
[Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||||||
| GCAT2026CES1002947 | 36691848 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002947 | 36691849 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002947 | 36691851 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | 1-4 Family Rider is not provided | Reviewer Comment [Redacted]: 1-4 Family Rider, cleared Buyer Comment [Redacted]: 1-4 Family Rider |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002748 | 36691859 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002748 | 36691860 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002748 | 36691861 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002748 | 36691863 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002748 | 36691864 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five [Redacted] business days of application. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002495 | 36691866 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002495 | 36691867 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002495 | 36691868 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002495 | 36691869 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002495 | 36691872 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: RTC eligible disbursement date is [Redacted], loan disbursed [Redacted]. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The loan disbursed on [Redacted]which is not at least [Redacted] business days from the transaction date of [Redacted]. Buyer Comment [Redacted]: Transaction date per notary date, note, DOT is [Redacted], not [Redacted]. Please review. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002495 | 36691873 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The RTC reflects expiration date of [Redacted], however transaction date is [Redacted]. Buyer Comment [Redacted]: Transaction date per notary date, note, DOT is [Redacted], not [Redacted]. Please review. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002520 | 36691874 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002520 | 36691875 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002520 | 36691876 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002613 | 36691883 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002613 | 36691884 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002613 | 36691885 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002613 | 36691886 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002598 | 36691888 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002598 | 36691889 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002598 | 36691890 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002663 | 36691894 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002663 | 36691895 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002663 | 36691896 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002663 | 36691897 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002775 | 36691900 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002775 | 36691901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002775 | 36691902 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002713 | 36691905 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002713 | 36691906 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002713 | 36691907 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002713 | 36691908 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002804 | 36691910 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002804 | 36691911 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003008 | 36691914 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003008 | 36691915 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | UCDP provided states not eligible for R&W relief | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Need a second appraisal or UCDP with an acceptable risk score Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003008 | 36691916 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of [Redacted]%. | Reviewer Comment [Redacted]: Client accepts the discrepancy is due to rounding off, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002487 | 36691917 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002632 | 36691921 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002632 | 36691922 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002688 | 36691925 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002688 | 36691926 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002696 | 36691930 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002696 | 36691931 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002757 | 36691936 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: Evidence borrowre was provided with written disclosure was provided. Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Missing disclosure, exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002757 | 36691937 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Evidence the HPML Disclosure was provided to the Borrower was provided. Reviewer Comment [Redacted]: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002757 | 36691940 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002757 | 36691941 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002611 | 36691946 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002611 | 36691947 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002611 | 36691948 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002611 | 36691949 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002682 | 36691951 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002682 | 36691952 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002682 | 36691953 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002595 | 36691955 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002595 | 36691956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002595 | 36691957 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002595 | 36691958 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002628 | 36691963 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002628 | 36691964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002628 | 36691965 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002701 | 36691970 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted]declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: this disaster is notated after the loan closed on [Redacted]- please downgrade to a [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002701 | 36691971 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002701 | 36691972 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002701 | 36691973 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002703 | 36691981 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted]years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002703 | 36691982 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002703 | 36691983 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002703 | 36691984 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002755 | 36691987 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002755 | 36691988 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002683 | 36691991 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002683 | 36691992 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002774 | 36691998 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002774 | 36691999 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002706 | 36692002 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002706 | 36692003 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002706 | 36692004 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002789 | 36692006 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002497 | 36692010 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002497 | 36692011 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002497 | 36692012 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with Compensating Factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002832 | 36692016 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002832 | 36692017 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002832 | 36692018 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002832 | 36692019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The condition has been waived with Compensating Factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002570 | 36692021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002570 | 36692022 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002570 | 36692023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002570 | 36692024 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Not required per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002610 | 36692027 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002704 | 36692032 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002704 | 36692033 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002704 | 36692034 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002793 | 36692040 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002793 | 36692041 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002793 | 36692042 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002517 | 36692043 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002517 | 36692044 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002517 | 36692045 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002694 | 36692051 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002694 | 36692052 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1002694 | 36692053 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1002543 | 36692055 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Per lender guides fema insp required when within last [Redacted] months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002543 | 36692056 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002543 | 36692057 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Please waive / accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002493 | 36692059 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: not needed on HELOAN unless within last [Redacted] months Buyer Comment [Redacted]: Per guides only need if within last [Redacted] months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002493 | 36692060 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002493 | 36692061 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002493 | 36692062 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please waive/ accept as is Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002630 | 36692065 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was missing in the file. | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. Buyer Comment [Redacted]: See credit report provided. |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002630 | 36692066 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002630 | 36692067 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report is missing | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: credit report uploaded Buyer Comment [Redacted]: credit report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002630 | 36692070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002630 | 36692071 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002630 | 36692072 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002630 | 36692073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002630 | 36692074 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. ([Redacted]) | Reviewer Comment [Redacted]: Received Credit Report. Exception Cleared. Buyer Comment [Redacted]: credit report uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002814 | 36692077 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002814 | 36692078 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002814 | 36692079 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002814 | 36692080 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002769 | 36692081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is - level [Redacted]. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002769 | 36692082 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002769 | 36692083 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: there are [Redacted]avms in the file - please see docs attached Buyer Comment [Redacted]: See avms - [Redacted] were provided |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002769 | 36692084 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002953 | 36692086 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002953 | 36692088 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy [Redacted] is missing. | Reviewer Comment [Redacted]: Hazard Insurance Policy effective dates [Redacted], cleared Buyer Comment [Redacted]: hoi |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002953 | 36692089 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | No secondary valuation was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002953 | 36692090 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002953 | 36692092 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Provide final stamped/signed settlement statement to verify disbursement date. Buyer Comment [Redacted]: "loe" "CD" |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002953 | 36692093 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the Note or mortgage statement for the Senior loan was not found in the file | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002953 | 36692094 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Subordination Rider is missing the 2nd page | Reviewer Comment [Redacted]: Subordination Rider complete, cleared Buyer Comment [Redacted]: sub |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002953 | 36692095 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Vesting on title is in a trust. Although there is a [Redacted]and Sale Deed in file, the file is missing a copy of the Trust Agreement or a Certificate of Trust | Reviewer Comment [Redacted]: Certification of Trust, cleared Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: Received a Certification of [Redacted]. Also, need a Certification of [Redacted] listed on the title. Buyer Comment [Redacted]: vesting |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002863 | 36692098 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002863 | 36692099 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002863 | 36692100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002952 | 36692105 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date [Redacted] | Reviewer Comment [Redacted]: Not required after receiving the 1004, cleared Buyer Comment [Redacted]: Appraisal. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002952 | 36692107 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002952 | 36692108 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | Reviewer Comment [Redacted]: 1004, cleared |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002952 | 36692109 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: Appraisal. |
[Redacted] | No | 1 | A | A | A | A | A | A | N/A | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002952 | 36692110 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The file is missing a copy of Appraisal. | Reviewer Comment [Redacted]: 1004, cleared Buyer Comment [Redacted]: Appraisal. |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002952 | 36692111 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Title Policy showing $[Redacted] coverage, cleared Buyer Comment [Redacted]: title Reviewer Comment [Redacted]: The title reflects $[Redacted], actual amount should reflect $[Redacted]. Buyer Comment [Redacted]: limited title |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002521 | 36692116 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002521 | 36692117 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002621 | 36692120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002621 | 36692121 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002621 | 36692122 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002765 | 36692126 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002765 | 36692127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002765 | 36692128 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002746 | 36692132 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002746 | 36692133 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002746 | 36692135 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002746 | 36692136 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment [Redacted]: Received SS award letter Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002746 | 36692139 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing SSI award letter. | Reviewer Comment [Redacted]: Received SS award letter |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002746 | 36692140 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing award letter. | Reviewer Comment [Redacted]: Received SS award letter |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002826 | 36692142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002826 | 36692143 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002826 | 36692144 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002677 | 36692146 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002677 | 36692147 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002677 | 36692148 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002677 | 36692149 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002710 | 36692152 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002710 | 36692153 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002710 | 36692154 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002710 | 36692155 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002715 | 36692158 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002715 | 36692159 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002715 | 36692161 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR Risk due to DTI. | Reviewer Comment [Redacted]: Received and associated closing disclosure for proof of debts payoff. Exception Cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002715 | 36692162 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated closing disclosure for proof of debts payoff. Exception Cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002715 | 36692163 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated closing disclosure for proof of debts payoff. Exception Cleared. Buyer Comment [Redacted]: there is another loan for this borrower, please see Cd with add'l debts paid off |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002715 | 36692164 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR Risk due to DTI. | Reviewer Comment [Redacted]: Received and associated closing disclosure for proof of debts payoff. Exception Cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002715 | 36692165 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing both of the mortgage statements for the property on [Redacted]. Missing the 1st lien stmt from [Redacted] and missing the 2nd lien stmt from [Redacted] | Reviewer Comment [Redacted]: First lien statement from [Redacted] Mortgage, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received Closing Disclosure for the 2nd lien from [Redacted]; however, the required 1st lien statement from [Redacted]. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002715 | 36692166 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Ins. reflects city as [Redacted]. The note states city is [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002972 | 36692171 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Proposed insured amount was not provided. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002972 | 36692172 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002972 | 36692173 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to go in a securitization and reflects only one valuation product when two are required. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002972 | 36692174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1002770 | 36692179 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002770 | 36692180 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002770 | 36692181 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002960 | 36692183 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002960 | 36692184 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002960 | 36692185 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002960 | 36692186 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing | Reviewer Comment [Redacted]: Received and associated E-Sign Consent Agreement. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002960 | 36692187 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002670 | 36692189 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002670 | 36692190 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002670 | 36692191 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002480 | 36692194 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002480 | 36692195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002480 | 36692196 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002480 | 36692197 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002480 | 36692198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002844 | 36692200 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002844 | 36692201 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002844 | 36692202 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002844 | 36692205 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002847 | 36692207 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002847 | 36692208 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002829 | 36692210 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002829 | 36692211 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002829 | 36692212 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002812 | 36692217 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002812 | 36692218 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002812 | 36692219 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002842 | 36692225 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002842 | 36692226 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002842 | 36692227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002795 | 36692229 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002795 | 36692230 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002795 | 36692231 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002795 | 36692232 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002854 | 36692246 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002854 | 36692247 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002811 | 36692250 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002811 | 36692251 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002843 | 36692255 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002843 | 36692256 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002843 | 36692257 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002716 | 36692262 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002716 | 36692263 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002716 | 36692264 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002835 | 36692267 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002835 | 36692269 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002865 | 36692276 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002865 | 36692277 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002865 | 36692278 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002650 | 36692279 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002650 | 36692280 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002650 | 36692281 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002806 | 36692284 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002806 | 36692285 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002806 | 36692286 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002754 | 36692289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002754 | 36692290 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002754 | 36692291 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002754 | 36692292 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002686 | 36692299 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002686 | 36692300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002644 | 36692301 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002644 | 36692302 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002644 | 36692303 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002692 | 36692307 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002692 | 36692308 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002692 | 36692309 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002692 | 36692310 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002822 | 36692311 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002822 | 36692313 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002822 | 36692315 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. A secondary AVM was provided with FSD > [Redacted], and its value supports the "Use for LTV" value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | B | A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002513 | 36692316 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002876 | 36692318 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002876 | 36692319 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002782 | 36692324 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002782 | 36692325 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002818 | 36692327 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002818 | 36692328 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002818 | 36692329 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002818 | 36692330 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002773 | 36692332 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002773 | 36692333 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002773 | 36692334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1002791 | 36692335 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002791 | 36692336 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002791 | 36692337 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002791 | 36692338 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002861 | 36692341 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002852 | 36692343 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002852 | 36692344 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002852 | 36692345 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002819 | 36692349 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002819 | 36692350 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002819 | 36692351 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002845 | 36692353 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002845 | 36692354 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002845 | 36692355 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan/Appraisal Documentation Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002866 | 36692357 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002866 | 36692358 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002866 | 36692359 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002839 | 36692361 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002839 | 36692362 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002839 | 36692363 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002881 | 36692366 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002881 | 36692367 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002857 | 36692371 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002857 | 36692372 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1002857 | 36692373 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1002905 | 36692374 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002905 | 36692377 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002900 | 36692378 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002900 | 36692379 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002900 | 36692380 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002901 | 36692381 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002901 | 36692382 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002901 | 36692383 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has worked in the same position for more than [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002901 | 36692386 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan designation testing as HPML (APOR) | Reviewer Comment [Redacted]: Client has restated the loan designation to HPML (APOR). |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002901 | 36692387 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client has restated the loan designation to HPML (APOR). | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002813 | 36692388 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002813 | 36692389 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002813 | 36692390 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002858 | 36692396 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002858 | 36692397 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002858 | 36692398 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002763 | 36692399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002763 | 36692400 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002763 | 36692401 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002931 | 36692404 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002931 | 36692405 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002931 | 36692406 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002766 | 36692408 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002766 | 36692409 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1002766 | 36692410 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002575 | 36692413 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002575 | 36692414 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002575 | 36692415 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002872 | 36692420 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002872 | 36692421 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002872 | 36692422 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002603 | 36692423 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002603 | 36692424 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002603 | 36692425 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002851 | 36692430 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * says waived but exception open? Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002851 | 36692431 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002851 | 36692432 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than[Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Exception shows waived in [Redacted], but open in [Redacted] portal. Please waive/accept as is Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002669 | 36692435 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002669 | 36692436 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002669 | 36692437 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002699 | 36692450 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002699 | 36692451 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002699 | 36692452 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002664 | 36692454 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002664 | 36692455 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM is acceptable | Borrower has a clean housing payment history | Housing payment history clean for [Redacted] months | Aggregator | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002664 | 36692456 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM is acceptable | Borrower has a clean housing payment history | Housing payment history clean for [Redacted] months | Aggregator | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| GCAT2026CES1002892 | 36692459 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002892 | 36692460 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002892 | 36692461 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002892 | 36692462 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002968 | 36692465 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002968 | 36692466 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002968 | 36692467 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002695 | 36692468 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002695 | 36692469 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002695 | 36692470 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002695 | 36692471 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002779 | 36692474 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002779 | 36692475 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002779 | 36692477 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster declaration is greater than [Redacted] months from origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002975 | 36692479 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002975 | 36692480 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002975 | 36692481 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002975 | 36692482 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002553 | 36692484 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. | Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. | [Redacted],Aggregator | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002553 | 36692485 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002553 | 36692486 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002553 | 36692487 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002608 | 36692491 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002608 | 36692492 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002608 | 36692493 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002909 | 36692497 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002909 | 36692498 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002909 | 36692499 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002700 | 36692501 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002700 | 36692502 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002700 | 36692503 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002700 | 36692504 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002831 | 36692506 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002891 | 36692510 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002891 | 36692511 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002979 | 36692515 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002979 | 36692516 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002979 | 36692517 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002761 | 36692521 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002761 | 36692522 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002797 | 36692524 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002797 | 36692525 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | [Redacted]nd lien, AVM is provided. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002797 | 36692526 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002853 | 36692531 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002853 | 36692532 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002853 | 36692533 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002939 | 36692535 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002939 | 36692536 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002939 | 36692537 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002823 | 36692540 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA Disasters occurred greater than [Redacted]months from origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002823 | 36692541 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002823 | 36692542 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002823 | 36692543 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002907 | 36692547 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002907 | 36692548 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002907 | 36692549 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002916 | 36692551 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002916 | 36692552 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003007 | 36692556 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003007 | 36692557 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | The loan was submitted with a non-passing CU Score of [Redacted]. A secondary valuation is now required. | Reviewer Comment [Redacted]: AVM, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The UCDP has a risk score over [Redacted]. A secondary appraisal is required Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003007 | 36692558 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] | *New exception after entering the AVM | Reviewer Comment [Redacted]: CDA with acceptable value, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The same AVM was provided and its value is over [Redacted]% less than the appraised value. A higher product such as a desk review is required. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002798 | 36692561 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002798 | 36692562 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002798 | 36692563 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002984 | 36692566 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002984 | 36692567 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002805 | 36692568 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002805 | 36692569 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002805 | 36692570 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002760 | 36692572 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002760 | 36692573 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002760 | 36692574 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002760 | 36692575 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002978 | 36692577 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002978 | 36692578 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002978 | 36692579 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002869 | 36692584 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002869 | 36692585 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002869 | 36692586 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA disaster occurred more than [Redacted] months from origination date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002869 | 36692588 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: cleared fraud report high and med alerts Reviewer Comment [Redacted]: OFAC provided, verify other red flags addressed. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: Client is [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002871 | 36692593 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002871 | 36692594 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002871 | 36692595 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002951 | 36692598 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002951 | 36692599 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002951 | 36692600 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002895 | 36692602 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002895 | 36692604 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002764 | 36692610 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002764 | 36692611 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002764 | 36692612 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002944 | 36692614 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002944 | 36692615 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002944 | 36692616 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002889 | 36692619 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002889 | 36692620 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002889 | 36692621 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002941 | 36692625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002941 | 36692626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002792 | 36692629 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002792 | 36692630 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002792 | 36692631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002948 | 36692638 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002948 | 36692639 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002948 | 36692640 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002948 | 36692641 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Hazard policy/dec page not provided in file. File only contains the payment coupon | Reviewer Comment [Redacted]: Received and associated hazard insurance policy. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002948 | 36692642 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Please provide the Dec page for the Hazard policy to include subject [Redacted] mortgagee clause and policy number. | Reviewer Comment [Redacted]: Received and associated hazard insurance policy. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002828 | 36692644 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002828 | 36692645 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002828 | 36692646 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002828 | 36692647 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002877 | 36692650 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002877 | 36692651 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Full appraisal and UCDP with SSR score of [Redacted] in file |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002877 | 36692652 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing document. | Reviewer Comment [Redacted]: E-sign Consent Agreement was received. Reviewer Comment [Redacted]: Received document Package Audit Report. Please provide E-Sign Consent Agreement. Exception remains Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002894 | 36692656 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002894 | 36692657 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002894 | 36692658 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002679 | 36692661 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002679 | 36692662 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002679 | 36692663 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002923 | 36692666 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: See delivery provided Buyer Comment [Redacted]: See delivery provided Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002923 | 36692667 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: See delivery provided Buyer Comment [Redacted]: See delivery Buyer Comment [Redacted]: proof of delivery and receipt |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002923 | 36692670 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002923 | 36692671 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003030 | 36692674 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003030 | 36692676 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel is on Form H-9 however, the Title Search verifies the first lien mortgage is in the name of a different lender. Right to Cancel should be on Form H-8. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002882 | 36692678 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002882 | 36692679 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002882 | 36692680 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003103 | 36692687 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003103 | 36692688 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003103 | 36692689 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002712 | 36692692 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002712 | 36692693 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002712 | 36692694 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002712 | 36692695 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003013 | 36692698 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003013 | 36692699 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003013 | 36692700 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003013 | 36692701 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final document not provided | Reviewer Comment [Redacted]: Final 1003, cleared Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003013 | 36692703 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Verification of PITIA for First lien is not in file. Please provide the original Note or Mortgage statement. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see final 1003- 1st lien mtg statement uploaded to [Redacted]. |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002753 | 36692704 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002753 | 36692705 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002753 | 36692706 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002753 | 36692707 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003020 | 36692713 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003020 | 36692714 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation obtained was sufficient |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003020 | 36692715 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation obtained was sufficient to meet guides. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002999 | 36692718 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002999 | 36692719 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002999 | 36692720 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002999 | 36692721 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002911 | 36692724 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003131 | 36692727 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003131 | 36692728 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003131 | 36692729 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003131 | 36692732 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment [Redacted]: Preliminary title with sufficient coverage, cleared Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002928 | 36692735 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Client has elected to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002928 | 36692736 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client has elected to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002928 | 36692737 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuations provided are sufficient. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003089 | 36692738 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003089 | 36692739 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003089 | 36692740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003089 | 36692741 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is not provided. | Reviewer Comment [Redacted]: Flood Certificate, cleared Buyer Comment [Redacted]: See attachment |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003181 | 36692744 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client has elected to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003180 | 36692746 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003180 | 36692747 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003195 | 36692749 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing pages [Redacted] thru [Redacted]. | Reviewer Comment [Redacted]: Security Instrument - Subject Lien, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003195 | 36692751 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003195 | 36692752 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003196 | 36692753 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003192 | 36692755 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003192 | 36692756 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003185 | 36692758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003185 | 36692759 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1003182 | 36692762 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003182 | 36692764 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003182 | 36729493 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No secondary valuation was provided. Sec ID: 56 | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002776 | 36692766 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002776 | 36692767 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002776 | 36692768 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003186 | 36692770 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003193 | 36692773 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003193 | 36692774 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002942 | 36692776 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002942 | 36692779 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002705 | 36692781 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002705 | 36692782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1002963 | 36692783 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002963 | 36692784 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted]years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002963 | 36692785 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted]years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002676 | 36692788 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002676 | 36692789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002636 | 36692792 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1002636 | 36692793 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002636 | 36692794 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1003197 | 36692796 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003197 | 36692797 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No secondary valuation was provided. Sec ID: 56 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003197 | 36692798 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003198 | 36692803 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003198 | 36692804 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender Exception for DTI > [Redacted]% not to exceed [Redacted]% is approved. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003198 | 36692807 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender Exception for DTI > [Redacted]% not to exceed [Redacted]% is approved. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003189 | 36692810 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003087 | 36692814 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003087 | 36692815 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003087 | 36692816 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001483 | 36717457 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001483 | 37032725 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception allowing the subject property with [Redacted] acres (exceeding the guidelines limit of [Redacted] acres). | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1003088 | 36724458 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003088 | 36724463 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003088 | 36724479 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: The most recent [Redacted] tax returns were in the file and used to qualify. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003088 | 36739546 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003071 | 36742326 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003071 | 36742327 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003071 | 36742328 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003071 | 36742330 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. Seller Comment [Redacted]: tax return, transcript Seller Comment [Redacted]: docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36742357 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36742358 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36742361 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36750497 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided | Missing debt monitoring documentation. | Reviewer Comment [Redacted]: Received and associated debt monitoring documentation. Exception Cleared Seller Comment [Redacted]: [Redacted] for debt monitoring Seller Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003071 | 36751407 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Missing most recent tax returns for[Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36751408 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing most recent tax returns for [Redacted] to calculate income. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003071 | 36751409 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003071 | 36751412 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Missing most recent tax returns for [Redacted] to calculate income and DTI. | Reviewer Comment [Redacted]: Received Form 1040 and Schedule C for [Redacted]. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003005 | 36742464 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003116 | 36759846 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: An AVM was provided. Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003116 | 36760357 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002639 | 36851792 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date on Notice of Right to Cancel occurs prior to expected date. | Reviewer Comment [Redacted]: Cure docs provided. Buyer Comment [Redacted]: please clear Reviewer Comment [Redacted]: This will clear as soon as the new rescission has expired on [Redacted]. Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: From Client : From: [Redacted] <[Redacted]> Sent: [Redacted] To: [Redacted] Cc: [Redacted] Subject: [Redacted][Redacted]#[Redacted]/ [Redacted]#[Redacted] [EXTERNAL] - Caution: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. I forgot to copy everyone. Sorry. This loan re-closed today. We sent a mobile notary out for the re-execution of the Right to Cancel docs and the borrowers signed. The documents have been uploaded to your portal. Thanks, and have a great evening Buyer Comment [Redacted]: rtc Reviewer Comment [Redacted]: Revised RTC provided with corrected dates, missing LOE to borrower and proof of delivery. Buyer Comment [Redacted]: signed settlement statement Reviewer Comment [Redacted]: Provide the final signed/stamped settlement statement to verify disbursement date. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002566 | 36851796 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002566 | 36851799 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002566 | 36851802 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Reviewer Comment [Redacted]: Received signed disclosure |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002566 | 36851803 | Compliance | Compliance | State Compliance | State Defect | [Redacted]Financed Fees | [Redacted] High-Cost Loan: Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted]. | Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted]. | Reviewer Comment [Redacted]: Offset provided for third-party services with invoices provided bringing points and fees under threshold. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: There is no fee collected for $[Redacted]that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: I see an invoice provided for $[Redacted]. There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: Notary fee invoice $[Redacted], from client : We have provided another 3rd party invoice for review for the Notary Fee to address the RI Points & Fees condition and to clear the related waterfall conditions. Please let me know if you have any questions, concerns, or additional feedback after this review. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: We were able to apply an offset for the Flood Cert and Doc Prep fees as supported by the invoice, but the fees are still over by $[Redacted]. Do you have a title invoice you can provide to show the breakdown of fees? I see a wire/disbursement confirmation but this isn't a third party invoice to support the fees so we wouldn't be able to use this to apply the offset. If you can provide a title invoice, we would be able to offset the Title Abstract fee which would bring the points and fees under the threshold. Reviewer Comment [Redacted]: It's difficult to tell which fees they are disputing. While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including flood certification fees, notary fees, document preparation, and title abstract fees, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file." As such, [Redacted] requires a copy of an invoice, master service agreement, or monthly billing statement for any excludable third-party fees in order to exclude such charges from the fee calculation. You can see in the internal comments that during our EQ review, we already excluded the $[Redacted] Credit Report fee based on the supporting invoice in file. Have we received any other invoices? We would need invoices to exclude additional third party 4c7 fees. A title invoice would be useful to be able to exclude Title - Abstract, for example. Buyer Comment [Redacted]: Lender's compliance report ([Redacted]) shows all state metrics passing |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002566 | 36851804 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | Reviewer Comment [Redacted]: Received signed disclosure |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002566 | 36851805 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan Protection Act Counseling Received | [Redacted] High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. | No evidence of certification from a HUD-approved third-party counselor that the borrower has received counseling on the advisability of the loan transaction. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: attached Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002566 | 36851806 | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) [Redacted] Late Charge | [Redacted]High-Cost Loan: Loan contains an impermissible late charge. | Loan contains an impermissible late charge. | Reviewer Comment [Redacted]: Offset provided for third-party services with invoices provided bringing points and fees under threshold. Reviewer Comment [Redacted]: There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: What was provided for this exception please? Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: It's difficult to tell which fees they are disputing. While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including flood certification fees, notary fees, document preparation, and title abstract fees, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file." As such, [Redacted] requires a copy of an invoice, master service agreement, or monthly billing statement for any excludable third-party fees in order to exclude such charges from the fee calculation. You can see in the internal comments that during our EQ review, we already excluded the $[Redacted] Credit Report fee based on the supporting invoice in file. Have we received any other invoices? We would need invoices to exclude additional third party 4c7 fees. A title invoice would be useful to be able to exclude Title - Abstract, for example. Buyer Comment [Redacted]: Lender's compliance report shows passing all; state metrics |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002566 | 36851807 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Home Loan Protection Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] [Redacted] an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment [Redacted]: Offset provided for third-party services with invoices provided bringing points and fees under threshold. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted] Home Loan Protection Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Non-Compliant High Cost Loan. Buyer Comment [Redacted]: See additional docs from lender. Reviewer Comment [Redacted]: There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: I see an invoice provided for $[Redacted]. There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: We were able to apply an offset for the Flood Cert and Doc Prep fees as supported by the invoice, but the fees are still over by $[Redacted]. Do you have a title invoice you can provide to show the breakdown of fees? I see a wire/disbursement confirmation but this isn't a third party invoice to support the fees so we wouldn't be able to use this to apply the offset. If you can provide a title invoice, we would be able to offset the Title Abstract fee which would bring the points and fees under the threshold. Buyer Comment [Redacted]: Per lender- I will be able to provide an invoice for the credit monitoring fee; Flood cert fee; & Doc prep fee. We only receive the final settlement statement and the disbursement ledger. When our preferred title quotes us fees, this is done on draft CDs prior to preparing closing documents so that we can balance. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: It's difficult to tell which fees they are disputing. While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including flood certification fees, notary fees, document preparation, and title abstract fees, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file." As such, [Redacted] requires a copy of an invoice, master service agreement, or monthly billing statement for any excludable third-party fees in order to exclude such charges from the fee calculation. You can see in the internal comments that during our EQ review, we already excluded the $[Redacted] Credit Report fee based on the supporting invoice in file. Have we received any other invoices? We would need invoices to exclude additional third party 4c7 fees. A title invoice would be useful to be able to exclude Title - Abstract, for example. Buyer Comment [Redacted]: Title Invoice / prelim settlement statement in file [Redacted] Buyer Comment [Redacted]: Lender's compliance report shows passing all state metrics ([Redacted]) |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002566 | 36851808 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Tangible Net Benefit Disclosure Not Properly Signed) | [Redacted] Home Loan: Tangible Net Benefit Disclosure not properly executed. | Tangible Net Benefit Disclosure not properly executed. | Reviewer Comment [Redacted]: Received signed TNB disclosure Buyer Comment [Redacted]: attached Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002566 | 36851809 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: [Redacted] received rebuttal and COC in file reflects discount point changed due to loan amount change. However, the discount points increased from [Redacted]% to [Redacted]% which did not change proportionately with a loan amount change. Unable to determine from rate sheets what changed for the discount % to increase. Please provide additional information to support this change in percentage of discount charged on this loan. Buyer Comment [Redacted]: COC letter ([Redacted]) in file for loan amount change [Redacted], which corresponds to the discount point increase on the COC CD dated [Redacted] ([Redacted]) - Reviewer Comment [Redacted]: [Redacted] received no new document or information to address the exception. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment [Redacted]: Limited trid review |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002566 | 36851810 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (High Cost Disclosure Not Provided Timely) | [Redacted] High-Cost Loan: Borrower did not receive High-cost Home Loan Disclosure in sufficient time to receive face-to-face counseling on advisability of transaction. | Disclosure was received less than 10 business days from note date. | Reviewer Comment [Redacted]: Offset provided for third-party services with invoices provided bringing points and fees under threshold. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: I see an invoice provided for $[Redacted]. There is no fee collected for $[Redacted] that was paid to [Redacted] Title. Can the settlement agent provide an attestation as to what fee this relates to? We need to be able to tie the invoice to the third party it was paid to, the amount that was collected, and what fee is being charged. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: It's difficult to tell which fees they are disputing. While the final rule of the [Redacted] Home Loan Protection Act allows for the exclusion of "bona fide and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including flood certification fees, notary fees, document preparation, and title abstract fees, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for Bona Fide and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file." As such, [Redacted] requires a copy of an invoice, master service agreement, or monthly billing statement for any excludable third-party fees in order to exclude such charges from the fee calculation. You can see in the internal comments that during our EQ review, we already excluded the $[Redacted] Credit Report fee based on the supporting invoice in file. Have we received any other invoices? We would need invoices to exclude additional third party 4c7 fees. A title invoice would be useful to be able to exclude Title - Abstract, for example. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002566 | 36851811 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Guidelines do not address. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002566 | 36851812 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Unable to determine if the Home Loan Application Disclosure was provided to the borrower due to missing information. | Reviewer Comment [Redacted]: Received signed disclosure Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The disclosure is not signed by the borrower. Buyer Comment [Redacted]: belongs to *[Redacted] Buyer Comment [Redacted]: Client reps and warrants |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002534 | 36851813 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002534 | 36851815 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | No secondary valuation was provided. | Reviewer Comment [Redacted]: AVM, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002534 | 36851816 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002558 | 36851818 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1002558 | 36851819 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: * |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002558 | 36851820 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing payment history for primary rental housing. | Reviewer Comment [Redacted]: Primary rental housing history was provided. Buyer Comment [Redacted]: AUS states can use current lease and 2 months proof rent payment of [Redacted]- payment attached. The lease in file ([Redacted]) has a clause stating it will go month to month after the term. Reviewer Comment [Redacted]: Received a letter for different property. However, provide the remaining [Redacted] months of consecutive pay history, along with the Verification of Rent (VOR) for the property [Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached lender rebuttal Reviewer Comment [Redacted]: Received pay history from [Redacted] to [Redacted], please provide remaining [Redacted] months consecutive pay history. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||||
| GCAT2026CES1002565 | 36851821 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive as is Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002565 | 36851822 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002565 | 36851823 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002565 | 36851825 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002565 | 36851826 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement of first lien on subject property. | Reviewer Comment [Redacted]: VOM, cleared Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: The same documents already available in the file have been re-sent. However, documentation supporting the original interest rate is still missing. Please provide the Note or a mortgage statement for the first lien on the subject property. Exception remains. Buyer Comment [Redacted]: rebuttal Reviewer Comment [Redacted]: The payment change notification does not disclose the UPB for the senior lien, exception remains Buyer Comment [Redacted]: doc attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002633 | 36851828 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002633 | 36851830 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received proof of earlier receipt. Buyer Comment [Redacted]: TRID Disclosure Timeline Summary |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002633 | 36851831 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] was not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment [Redacted]: [Redacted] received proof of earlier receipt. Buyer Comment [Redacted]: TRID Disclosure Timeline Summary |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002614 | 36851832 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002614 | 36851833 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002614 | 36851834 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002614 | 36851835 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002614 | 36851836 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval Document is missing in the file | Reviewer Comment [Redacted]: Received and associated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared. Buyer Comment [Redacted]: 1008 and AUS Reviewer Comment [Redacted]: AVM has been received; however, the approval document is required. Exception Remains. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002525 | 36851840 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002525 | 36851841 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002525 | 36851843 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See title report for 2nd liens |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002622 | 36851849 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002622 | 36851850 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002622 | 36851851 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002631 | 36851852 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive with comp factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002631 | 36851853 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002631 | 36851854 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002618 | 36851873 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002618 | 36851874 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002618 | 36851875 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002618 | 36851876 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Verification of existence of business within [Redacted] calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance. Licensing documentation provided was not dated, and expires the same month the loan was closed. |
Reviewer Comment [Redacted]: Received and associated Third Party Verification. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002618 | 36851877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is at risk due to missing income documentation. Missing Verification of existence of business within [Redacted] calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance. Licensing documentation provided was not dated, and expires the same month the loan was closed. | Reviewer Comment [Redacted]: Received and associated Third Party Verification. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002618 | 36851878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at risk due to missing income documentation. Missing Verification of existence of business within [Redacted] calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance. Licensing documentation provided was not dated, and expires the same month the loan was closed. | Reviewer Comment [Redacted]: Received and associated Third Party Verification. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002658 | 36851879 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002658 | 36851880 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002658 | 36851881 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Secondary valuation is missing for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002658 | 36851883 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Buyer Comment [Redacted]: [Redacted] returns not available at the time of origination Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Please accept as is. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002666 | 36851886 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002666 | 36851887 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002666 | 36851889 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002651 | 36851891 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002689 | 36851893 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002689 | 36851894 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002702 | 36851897 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002702 | 36851898 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002702 | 36851899 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002702 | 36851901 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flag regarding a borrower who has been identified and verified to be listed on any government agency watch list has not been cleared. | Reviewer Comment [Redacted]: A [Redacted] and [Redacted] were provided with no results. Buyer Comment [Redacted]: see attached documentation to clear flag |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002702 | 36851902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See signed 4506C provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002702 | 36851903 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing signed and dated 4506-C as reflected on AUS. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See signed 4506C provided |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002702 | 36851904 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing signed and dated 4506-C as reflected on AUS. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See signed 4506C provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002702 | 36851905 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing signed and dated 4506-C as reflected on AUS. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See signed 4506C provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002702 | 36851906 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] and [Redacted] executed 4506-C. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See signed 4506C provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002681 | 36851907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002681 | 36851909 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002592 | 36851912 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002592 | 36851913 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002592 | 36851915 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Reviewer Comment [Redacted]: 3rd party verification for Sch C business was provided. Buyer Comment [Redacted]: see attached verification |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002592 | 36851916 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment [Redacted]: 3rd party verification for Sch C business was provided. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Missing third party verification for Sch C business. Buyer Comment [Redacted]: lender's compliance test attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002592 | 36851917 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Reviewer Comment [Redacted]: 3rd party verification for Sch C business was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002794 | 36851918 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Secondary valuation is missing for securitization purposes. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002794 | 36851919 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002794 | 36851921 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002794 | 36851923 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The H-9 form received is not signed Buyer Comment [Redacted]: Corrected Right of Recission H-9 |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002809 | 36851924 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: See PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002809 | 36851925 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per deal instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002809 | 36851926 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002809 | 36851927 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Secondary valuation not required per client/guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002709 | 36851930 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002709 | 36851931 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002709 | 36851932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002709 | 36851933 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. A Lock Fee of $[Redacted] was paid outside of closing. Evidence of payment was not provided. | Reviewer Comment [Redacted]: Considered POCB of Lock Fee of $[Redacted], Asset requirement is met. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002756 | 36851935 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002756 | 36851936 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002756 | 36851937 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002756 | 36851939 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | City on hazard policy reflects Sturtevant. Note reflects [Redacted]. | Reviewer Comment [Redacted]: Received and associated address verification. Exception cleared. Buyer Comment [Redacted]: address verification |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002597 | 36851940 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared Disaster End Date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002597 | 36851941 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002597 | 36851942 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002597 | 36851943 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002830 | 36851945 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002830 | 36851948 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: The client accepts as is Buyer Comment [Redacted]: please accept as is Reviewer Comment [Redacted]: An extension does not clear this exception. This exception must be accepted as is it is a level [Redacted] if the [Redacted] tax returns are not available. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002830 | 36851949 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002830 | 36851950 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing tax return extension for personal tax returns for [Redacted], both borrowers. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002788 | 36851951 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than[Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002788 | 36851952 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002788 | 36851953 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than[Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002788 | 36851955 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than[Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Not required for seconds if it is outside 12 months. Please reivew |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002890 | 36851959 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002890 | 36851960 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002890 | 36851961 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing copy of Title Preliminary. | Reviewer Comment [Redacted]: A property report was provided. Buyer Comment [Redacted]: This is a second line - full title was not required. Limited title report is sufficient. Please review. Reviewer Comment [Redacted]: Received property history report however required Title Search / Title Commitment is required to verify the ownership type, Loan amount and deed information. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received a Curative Certificate; however, a complete Title Search / Title Commitment is required to verify the ownership type, Loan amount and deed information. Exception Remains. Buyer Comment [Redacted]: limited title review |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002821 | 36851965 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002821 | 36851966 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002821 | 36851967 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002783 | 36851970 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Copy of HOA Verification is not available. | Reviewer Comment [Redacted]: Received and associated HOA Verification. Exception cleared. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: As per the final 1003, the HOA payment for [Redacted] is listed as $[Redacted]; however, the HOA verification document reflects $[Redacted]. Please provide supporting documentation for the remaining $[Redacted] or an updated 1003. Exception Remains. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: HOA dues $[Redacted] annually ([Redacted]). |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002783 | 36851971 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | AVM Is provided second lien file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002783 | 36851972 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002777 | 36851976 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002777 | 36851977 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1002777 | 36851978 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1002820 | 36851982 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002820 | 36851983 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002820 | 36851986 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Business Act (Prepaid Finance Charges) | [Redacted] Mortgage Business Act: Mortgage loan contains prepaid finance charges of $[Redacted] that exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted]. | Mortgage loan contains prepaid finance charges of $[Redacted] that exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation; Lender Attestation of no action instituted or written notice from consumer of the violation; Copy of Refund Check; and Proof of Delivery were provided. Buyer Comment [Redacted]: Docs uploaded Reviewer Comment [Redacted]: [Redacted] Mortgage Business Act Prepaid Finance Charges ([Redacted]) tests all finance charge fees, regardless of payee, and uses a threshold of [Redacted]% of the Amount Financed. Buyer Comment [Redacted]: doc Buyer Comment [Redacted]: lender docs Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: There is no [Redacted] Fee on this loan so the [Redacted] Fee letter would not be relevant. As you indicated, the [Redacted] requirements state that "Prepaid finance charges on covered transactions shall be limited to an amount not to exceed [Redacted]% of the amount financed, provided that the aggregate amount of prepaid finance charges payable to the mortgage company or any person related to such company does not exceed [Redacted]% of the amount financed." As we noted earlier, on this loan, prepaid finance charges of $[Redacted] exceed [Redacted]% of the amount financed, or $[Redacted] , an overage of $[Redacted] and prepaid finance charges of $[Redacted] payable to the lender or lender affiliate exceed [Redacted]% of the amount financed, or $[Redacted] , an overage of $[Redacted]. If they're disagreeing with a particular finance charge, please let me know but per their Compliance Report, we seem to align. Or if they're disagreeing with any of these calculations, please let me know that as well. Please note there is a cure available: Within 60 days of discovery, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) Lender Attestation of no action instituted or written notice from consumer of the violation; (3) Copy of Refund Check; and (4) Proof of Delivery. Cure deadline would be [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) Lender Attestation of no action instituted or written notice from consumer of the violation; (3) Copy of Refund Check; and (4) Proof of Delivery | C | B | A | A | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002820 | 36851987 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Business Act (Prepaid Finance Charges to to Lender or Lender Affiliate) | [Redacted] Mortgage Business Act: Mortgage loan contains prepaid finance charges of $[Redacted] payable to the lender or lender affiliate that exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted]. | Mortgage loan contains prepaid finance charges of $[Redacted] payable to the lender or lender affiliate that exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation; Lender Attestation of no action instituted or written notice from consumer of the violation; Copy of Refund Check; and Proof of Delivery were provided. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: The lender ([Redacted]) provided the attestation that [Redacted] Title does not meet the definition of "affiliate" under the Bank Holding Company Act of [Redacted]. However, we are not testing any of the fees to [Redacted] Title as affiliate fees. For the [Redacted] Mortgage Business Act Prepaid Finance Charges Payable to Lender/Affiliate, we are only including the finance charge fees paid to the lender, which are: $[Redacted] discount points, $[Redacted] lock fee and $[Redacted] prepaid interest for a total of $[Redacted]. Buyer Comment [Redacted]: doc Buyer Comment [Redacted]: lender rebuttal Reviewer Comment [Redacted]: There is no [Redacted] Fee on this loan so the [Redacted] Fee letter would not be relevant. As you indicated, the [Redacted] requirements state that "Prepaid finance charges on covered transactions shall be limited to an amount not to exceed [Redacted]% of the amount financed, provided that the aggregate amount of prepaid finance charges payable to the mortgage company or any person related to such company does not exceed [Redacted]% of the amount financed." As we noted earlier, on this loan, prepaid finance charges of $[Redacted] exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted] and prepaid finance charges of $[Redacted] payable to the lender or lender affiliate exceed [Redacted]% of the amount financed, or $[Redacted], an overage of $[Redacted]. If they're disagreeing with a particular finance charge, please let me know but per their Compliance Report, we seem to align. Or if they're disagreeing with any of these calculations, please let me know that as well. Please note there is a cure available: Within 60 days of discovery, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) Lender Attestation of no action instituted or written notice from consumer of the violation; (3) Copy of Refund Check; and (4) Proof of Delivery. Cure deadline would be [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) Lender Attestation of no action instituted or written notice from consumer of the violation; (3) Copy of Refund Check; and (4) Proof of Delivery | C | B | A | A | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002678 | 36851988 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002678 | 36851989 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized; Appraisal does not provide. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002759 | 36851992 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002759 | 36851993 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002588 | 36851997 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002588 | 36851998 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002836 | 36852000 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002836 | 36852001 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002836 | 36852002 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002836 | 36852005 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. | Buyer Comment [Redacted]: accept as is [Redacted] HPML compliant |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002884 | 36852007 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002884 | 36852008 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002884 | 36852009 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002884 | 36852010 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
PLEASE OVERRIDE: FEMA Disaster in [Redacted] loan originated on [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002771 | 36852013 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002771 | 36852014 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002771 | 36852015 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002883 | 36852016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002883 | 36852017 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002883 | 36852018 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002582 | 36852022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002582 | 36852023 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002582 | 36852024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002582 | 36852027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Reviewer Comment [Redacted]: Client restated loan designation to SHQM (APOR). Buyer Comment [Redacted]: yes please Reviewer Comment [Redacted]: Please confirm you want to restate the loan designation to SHQM (APOR). Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002582 | 36852028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client restated loan designation to SHQM (APOR). | Reviewer Comment [Redacted]: The loan designation was restated. Buyer Comment [Redacted]: reinstate to safe harbor |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002897 | 36852030 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1002897 | 36852031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: 49 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||||
| GCAT2026CES1002897 | 36852032 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing new primary residence information. | Reviewer Comment [Redacted]: An updated application was provided. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Subject is investment property, missing new primary information. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1002879 | 36852033 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002879 | 36852034 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002879 | 36852035 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002850 | 36852038 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002850 | 36852040 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage is short $[Redacted]. | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception cleared. Buyer Comment [Redacted]: see attached reflecting replacement cost amount of $[Redacted] Reviewer Comment [Redacted]: provided documents does not specify the replacement cost coverage amount or percentage (%). Provide updated policy reflecting minimum coverage of $[Redacted] OR provide [Redacted] Checklist of Coverage supporting current coverage amount. Exception Remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002875 | 36852056 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002875 | 36852057 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002875 | 36852058 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002902 | 36852059 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002902 | 36852060 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002902 | 36852061 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002934 | 36852063 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002934 | 36852064 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002934 | 36852065 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002934 | 36852067 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: [Redacted] document indicates no matches to the borrower, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002885 | 36852068 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please waive accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002885 | 36852069 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002885 | 36852070 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please waive, accept as is Buyer Comment [Redacted]: Lender is buy to guide and does not require unless within last 12 months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002885 | 36852072 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Need verification that the [Redacted] account should be excluded from the DTI calculation. | Reviewer Comment [Redacted]: Evidence the debt was paid by others was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002903 | 36852073 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002903 | 36852074 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002903 | 36852077 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: Informed Consumer Choice Disclosure Notice was provided. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002903 | 36852078 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: The loan in now [Redacted] HPML Compliant Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002903 | 36852079 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002671 | 36852081 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective [Redacted]. Most recent available index value used for bona fide discount point testing. | . | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002671 | 36852082 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002717 | 36852085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002717 | 36852086 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002717 | 36852087 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002935 | 36852089 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA disaster occurred greater than [Redacted] months from origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002935 | 36852090 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002935 | 36852091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002807 | 36852099 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002807 | 36852100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002899 | 36852102 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002899 | 36852103 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002899 | 36852104 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002899 | 36852106 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002808 | 36852112 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002808 | 36852113 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002808 | 36852114 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002964 | 36852119 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002964 | 36852120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002964 | 36852121 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002964 | 36852122 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. A secondary AVM was provided with FSD > [Redacted], and its value supports the "Use for LTV" value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | B | B | A | A | A | A | N/A | N/A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002758 | 36852126 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002758 | 36852127 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002758 | 36852128 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002747 | 36852132 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: FEMA Lookback is [Redacted] months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002747 | 36852133 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002747 | 36852134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please accept as is Buyer Comment [Redacted]: AVM date is [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002747 | 36852136 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. Final Closing Disclosure was signed by borrower on [Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: Rescission period ended - please clear Reviewer Comment [Redacted]: This exception will be cleared once the new rescission has ended on [Redacted]. Buyer Comment [Redacted]: Recission disclosed LOE |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002538 | 36852137 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002538 | 36852138 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002538 | 36852140 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] CMPA Home Loan Toolkit Timing | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three [Redacted] business days of application. | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three [Redacted] business days of application. | Reviewer Comment [Redacted]: Evidence the Home Loan Toolkit was sent the day of application was provided. Buyer Comment [Redacted]: see attached initial disclosure history reflecting toolkit included in the initial disclosure package created [Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002919 | 36852142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002919 | 36852143 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002919 | 36852144 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002919 | 36852146 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing a copy of the note or mortgage statement of the first lien on the primary residence. | Reviewer Comment [Redacted]: Mortgage statement for senior lien, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002936 | 36852149 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002936 | 36852151 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002936 | 36852152 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002936 | 36852153 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy Document is missing in the file | Reviewer Comment [Redacted]: Hazard Insurance Policy, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002950 | 36852155 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002950 | 36852156 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002950 | 36852157 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002856 | 36852160 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002856 | 36852161 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002856 | 36852162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002976 | 36852166 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002976 | 36852167 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002976 | 36852168 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002927 | 36852169 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002927 | 36852170 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002927 | 36852171 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002992 | 36852174 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002992 | 36852175 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002992 | 36852176 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003022 | 36852179 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003022 | 36852181 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003022 | 36852182 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002623 | 36852183 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002623 | 36852184 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002623 | 36852186 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due Diligence Loan Designation of QM (APOR) Fail. Missing paystub for Co-Borrower's current employment | Reviewer Comment [Redacted]: SHQM (APOR) Buyer Comment [Redacted]: docs attached Reviewer Comment [Redacted]: Missing paystub for Co-Borrower's current employment was not found in trailing docs. Buyer Comment [Redacted]: see attached lender rebuttal regarding calculation Reviewer Comment [Redacted]: Docs uploaded are not in reference to this exception. Buyer Comment [Redacted]: please disregard upload from [Redacted] and refer to this more recent upload. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002623 | 36852187 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Tip Income | General QM: Unable to verify Tip income due to, missing the Year 1 tax returns or transcript, missing the Year 2 tax returns or transcript. | Reviewer Comment [Redacted]: Documentation meets FNMA requirements. Buyer Comment [Redacted]: Per FNMA guides year end paystubs are allowed in lieu of W-2s- attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002623 | 36852188 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1002904 | 36852189 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002904 | 36852190 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002904 | 36852191 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003026 | 36852194 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Lookback for disasters is only 12 months. Please clear. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003026 | 36852197 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003026 | 36852198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002787 | 36852200 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA disaster occurred greater than [Redacted] months ago from date of origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: more than 12 months- please waive (level 2) |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002787 | 36852201 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002787 | 36852202 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002787 | 36852203 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002787 | 36852205 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: An updated fraud report was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002956 | 36852207 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA disaster occurred greater than [Redacted] months ago from the date of origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: accept as is- [Redacted](older than 12 mths) |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002956 | 36852208 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002956 | 36852209 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Buyer Comment [Redacted]: accept as is- 2nd lien |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002967 | 36852211 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002967 | 36852212 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002967 | 36852213 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002965 | 36852217 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA disaster occurred greater than [Redacted] months ago from date of origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: accept as is- [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002965 | 36852218 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002965 | 36852219 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: accept as is- 2nd lien |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002784 | 36852221 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PDI was provided with no visible property damage. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002784 | 36852223 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002784 | 36852224 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: See document uploaded for condition [Redacted]. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002784 | 36852225 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Please accept "as is". Buyer Comment [Redacted]: See condition [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002501 | 36852228 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002501 | 36852229 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002501 | 36852230 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003027 | 36852233 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003027 | 36852234 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003027 | 36852235 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002961 | 36852245 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002961 | 36852246 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002961 | 36852247 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002961 | 36852248 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002680 | 36852257 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002680 | 36852258 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002680 | 36852259 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002680 | 36852260 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002974 | 36852261 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002974 | 36852262 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002974 | 36852263 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002957 | 36852266 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002957 | 36852267 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002957 | 36852268 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002943 | 36852272 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002943 | 36852273 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002943 | 36852274 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003010 | 36852275 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003010 | 36852276 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003010 | 36852277 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002966 | 36852279 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Not required per client's guides outside of 12 months. Buyer Comment [Redacted]: please waive/accept as is - over 12 months old not required per lender guides Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002966 | 36852280 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002966 | 36852281 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: should this be waived? Normally not an open exception. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002966 | 36852282 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003023 | 36852287 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Reviewer Comment [Redacted]: Client restated to SHQM (APOR). Buyer Comment [Redacted]: Please restate and accept as level 2 |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003023 | 36852288 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003023 | 36852289 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003023 | 36852290 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003023 | 36852291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client restated to SHQM (APOR). | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1002772 | 36852292 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: Not required buy to guide only needed within last 12 months |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002772 | 36852293 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002772 | 36852294 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002772 | 36852295 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: These normally come out as waived. Is this supposed to be open? |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002878 | 36852297 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002878 | 36852300 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Updated Insurance policy with start date if [Redacted]does not list [Redacted] as Second Mortgagee. | Reviewer Comment [Redacted]: Insurance with first and second mortgagees listed, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002937 | 36852301 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002937 | 36852302 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002937 | 36852303 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002981 | 36852306 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002981 | 36852307 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002981 | 36852308 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003003 | 36852309 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003003 | 36852310 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003003 | 36852311 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002557 | 36852314 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002557 | 36852315 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002557 | 36852316 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002557 | 36852317 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002985 | 36852320 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive /accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1002985 | 36852321 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1002985 | 36852322 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: not required per lender guides. only if within last 12 months. please waive/accept as is Buyer Comment [Redacted]: * |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1002938 | 36852324 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002938 | 36852325 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1002938 | 36852326 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Lookback for disasters is 12 months - please clear |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002906 | 36852329 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002970 | 36852332 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002970 | 36852333 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002970 | 36852334 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002908 | 36852337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment [Redacted]: Final 1003, cleared Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Received single signed page of 1003. Please provide signed final 1003 with all the pages. Exception remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received 1003 is not signed. Please provide a signed final 1003. Exception Remains. Buyer Comment [Redacted]: Final signed 1003 uploaded. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002908 | 36852338 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002908 | 36852339 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002908 | 36852340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002930 | 36852342 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002930 | 36852343 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002930 | 36852344 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002930 | 36852346 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR Fail due to missing income documentation | Reviewer Comment [Redacted]: A business listing was provided. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1002930 | 36852347 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing verification of existence of the business within [Redacted] calendar days by third party CPA, regulatory agency, licensing bureau or verifying phone listing and address for borrowers business using telephone book, internet or directory assistance | Reviewer Comment [Redacted]: A business listing was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002930 | 36852348 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing verification of existence of the business within [Redacted] calendar days by third party CPA, regulatory agency, licensing bureau or verifying phone listing and address for borrowers business using telephone book, internet or directory assistance | Reviewer Comment [Redacted]: A business listing was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003067 | 36852350 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003067 | 36852351 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003067 | 36852352 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1002993 | 36852354 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002993 | 36852355 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002993 | 36852356 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002989 | 36852362 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002910 | 36852366 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002910 | 36852367 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002910 | 36852368 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002949 | 36852370 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003002 | 36852374 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003002 | 36852375 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003002 | 36852376 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003019 | 36852378 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003019 | 36852379 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002762 | 36852381 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1002762 | 36852382 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002762 | 36852383 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1002846 | 36852386 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002846 | 36852387 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002846 | 36852388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002596 | 36852390 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002596 | 36852391 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002596 | 36852392 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002596 | 36852393 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002913 | 36852395 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002913 | 36852396 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002913 | 36852397 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002913 | 36852398 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002893 | 36852400 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002893 | 36852401 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment [Redacted]: Received and associated Final 1003. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002893 | 36852402 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | File is missing Note - Subject Lien. | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception cleared. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002893 | 36852403 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002893 | 36852405 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: The Final CD signed on [Redacted] was provided. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: see [Redacted] Buyer Comment [Redacted]: final cd |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002893 | 36852406 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment [Redacted]: The Final CD signed on [Redacted] was provided. Buyer Comment [Redacted]: rebuttal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002893 | 36852407 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1002893 | 36852408 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The DTI exceeds the maximum of [Redacted]% by [Redacted]% | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: exception |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002893 | 36852409 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1002893 | 36852410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI is over [Redacted]% | Reviewer Comment [Redacted]: The client waived the DTI so the loan is now SHQM. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | C | B | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1002786 | 36852411 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002786 | 36852412 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002786 | 36852413 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second Lien, AVM is provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002786 | 36852414 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Second Lien, AVM is provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002997 | 36852422 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1002997 | 36852423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. MIP for Senior Lien was added to the DTI and verified from Mortgage Statement provided in file. |
Reviewer Comment [Redacted]: The client waived the DTI requirement and the loan is now Non-QM. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1002997 | 36852424 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. MIP for Senior Lien was added to the DTI and verified from Mortgage Statement provided in file. |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1002997 | 36852425 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. MIP for Senior Lien was added to the DTI and verified from Mortgage Statement provided in file. |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003012 | 36852427 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003012 | 36852428 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003012 | 36852429 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003012 | 36852430 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003039 | 36852433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003039 | 36852434 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003039 | 36852435 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003039 | 36852436 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003014 | 36852438 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted]years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003014 | 36852439 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003014 | 36852440 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted]years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002922 | 36852442 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002922 | 36852443 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002922 | 36852444 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002922 | 36852445 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002969 | 36852447 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002969 | 36852448 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002969 | 36852449 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003001 | 36852452 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003001 | 36852453 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003001 | 36852454 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003001 | 36852455 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003017 | 36852457 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003017 | 36852458 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003017 | 36852459 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003025 | 36852463 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003025 | 36852464 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003025 | 36852466 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Verification of terms/interest rate and PITIA for First Mortgage Lien are missing. | Reviewer Comment [Redacted]: Mortgage statement received Buyer Comment [Redacted]: See mortgage statement provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002959 | 36852468 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002982 | 36852471 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002982 | 36852472 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002983 | 36852474 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002983 | 36852475 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002983 | 36852476 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003042 | 36852481 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003042 | 36852482 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003042 | 36852483 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation obtained is sufficient |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003047 | 36852485 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003047 | 36852486 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003047 | 36852487 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation obtained was sufficient to meet guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003047 | 36852489 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002825 | 36852490 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002825 | 36852491 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second Lien, AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1002825 | 36852492 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Second Lien, AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1003041 | 36852494 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003041 | 36852495 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003041 | 36852496 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003004 | 36852500 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003004 | 36852501 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | The file was missing copy of Flood Insurance Policy. | Reviewer Comment [Redacted]: Received and associated Flood Insurance Policy. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003004 | 36852502 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002977 | 36852505 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1002977 | 36852506 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1002977 | 36852507 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1002896 | 36852509 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002896 | 36852510 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002896 | 36852511 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002898 | 36852513 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003093 | 36852516 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003093 | 36852517 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003093 | 36852518 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003199 | 36852521 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003199 | 36852523 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [Redacted] W-2 was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: Received a letter stating that there is no W-2 for [Redacted] and that the borrower was paid via [Redacted]. The borrower has worked for the same company since [Redacted]. In [Redacted], all workers were converted to W-2 employees. However, a letter from the employer or third-party documentation is required. Exception Remains Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003199 | 36852524 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is at risk due to missing income documentation. [Redacted] W-2 was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003199 | 36852525 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation discrepancy due to missing income documentation. [Redacted] W-2 was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003034 | 36852527 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003034 | 36852528 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation provided was sufficient. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003034 | 36852529 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation provided was sufficient |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003034 | 36852531 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003049 | 36852534 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003049 | 36852535 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003049 | 36852536 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003043 | 36852538 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003043 | 36852539 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003043 | 36852540 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002924 | 36852542 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002924 | 36852543 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002924 | 36852544 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002827 | 36852547 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Acknowledged | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002962 | 36852550 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002962 | 36852552 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003082 | 36852561 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003082 | 36852562 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] AVMs were provided. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003009 | 36852565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination require. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003009 | 36852566 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003009 | 36852567 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003191 | 36852570 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003191 | 36852571 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003179 | 36852574 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003179 | 36852578 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] Covered Loan (Consumer Caution Notice Not Provided) | [Redacted] Covered Loan: Borrower not provided with Consumer Caution Notice. | Borrower not provided with Consumer Caution Notice. | Reviewer Comment [Redacted]: Lender Attestation, refund check and proof of delivery were provided. This is no longer required. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Email sent to client as to why the lump sum exception is not acceptable in this case and exception remains. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under [Redacted] Covered Loan threshold exception. | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003179 | 36852579 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] Covered Loan (Points and Fees) | [Redacted] Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] | Reviewer Comment [Redacted]: Lender Attestation, refund check and proof of delivery were provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Email sent to client as to why the lump sum exception is not acceptable in this case and exception remains. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003179 | 36852580 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003040 | 36852584 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003040 | 36852585 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003040 | 36852586 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002915 | 36852594 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002991 | 36852598 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002991 | 36852599 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002991 | 36852600 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003011 | 36852601 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003011 | 36852602 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003011 | 36852603 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003006 | 36852606 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Final title, cleared |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003006 | 36852607 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]based on the Commitment in file. | Reviewer Comment [Redacted]: Final title with sufficient coverage, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003006 | 36852608 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003006 | 36852609 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing copy of Bank Statements 401(k). | Reviewer Comment [Redacted]: Per lender no assets were used to qualify. The asset depletion/utilization income was excluded, cleared Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003006 | 36852610 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The file was missing copy of Bank Statements 401(k) to support asset utilization income | Reviewer Comment [Redacted]: Per lender no assets were used to qualify. The asset depletion/utilization income was excluded, cleared Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003006 | 36852611 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file was missing copy of Bank Statements 401(k) to support asset utilization income | Reviewer Comment [Redacted]: Per lender no assets were used to qualify. The asset depletion/utilization income was excluded, cleared Buyer Comment [Redacted]: see attached lender response no assets were used to qualify |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003006 | 36852612 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement not provided | Reviewer Comment [Redacted]: Received and associated Lease agreement. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003006 | 36852613 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided | Reviewer Comment [Redacted]: Final CD and HOA documents, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003081 | 36852614 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003081 | 36852615 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003081 | 36852616 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided and UCDP submission summary report is not available. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003081 | 36852617 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination require. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002994 | 36852620 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002994 | 36852621 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003021 | 36852625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003021 | 36852626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002841 | 36852628 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was missing in the file. | Reviewer Comment [Redacted]: Received and associated Credit Report . Exception cleared. Buyer Comment [Redacted]: doc |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002841 | 36852629 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination require. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002841 | 36852630 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002841 | 36852631 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002841 | 36852632 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002841 | 36852633 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Reviewer Comment [Redacted]: Received and associated Credit Report . Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002841 | 36852635 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002841 | 36852636 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002841 | 36852637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002841 | 36852638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1002841 | 36852639 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002841 | 36852640 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. Remove/Clear Exceptions |
Reviewer Comment [Redacted]: Received and associated Credit Report. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002880 | 36852641 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination require. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002880 | 36852642 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002880 | 36852643 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002880 | 36852645 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Guidelines do not address. | Reviewer Comment [Redacted]: A cleared DRIVE report was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003024 | 36852647 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003024 | 36852648 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003024 | 36852649 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003092 | 36852653 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003092 | 36852654 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003098 | 36852659 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003098 | 36852660 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003085 | 36852663 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003085 | 36852664 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003085 | 36852665 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003085 | 36852666 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003078 | 36852668 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003078 | 36852669 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003078 | 36852670 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003190 | 36852673 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003190 | 36852675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for DTI not to exceed [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003190 | 36852676 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Reviewer Comment [Redacted]: VOE was provided. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003190 | 36852677 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification of employment. | Reviewer Comment [Redacted]: VOE was provided. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003190 | 36852678 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification of employment. | Reviewer Comment [Redacted]: VOE was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003015 | 36852679 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003015 | 36852680 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003015 | 36852681 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003184 | 36852683 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003184 | 36852684 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003184 | 36852686 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003096 | 36852688 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003096 | 36852689 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003096 | 36852690 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003083 | 36852692 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003083 | 36852693 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003083 | 36852694 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003188 | 36852698 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003045 | 36852701 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003045 | 36852702 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003075 | 36852704 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003075 | 36852705 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003075 | 36852709 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A cleared DRIVE report was provided Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003183 | 36852710 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003183 | 36852711 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003076 | 36852714 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003076 | 36852715 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003076 | 36852716 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002837 | 36852718 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003000 | 36852723 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003000 | 36852724 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003000 | 36852725 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003000 | 36852727 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Fraud Reviewer Comment [Redacted]: An [Redacted] Summary was provided and this does not address the red flags on the fraud report. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002693 | 36852731 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002693 | 36852732 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002693 | 36852733 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002914 | 36852737 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002914 | 36852738 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002914 | 36852739 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002914 | 36852740 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003053 | 36852742 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003053 | 36852743 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003053 | 36852745 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003053 | 36852746 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002980 | 36852748 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002980 | 36852749 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002990 | 36852752 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002990 | 36852753 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002990 | 36852754 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002921 | 36852759 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002921 | 36852760 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002921 | 36852762 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: RTC, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003097 | 36852764 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003097 | 36852765 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003077 | 36852769 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003077 | 36852770 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Missing verification of un-discounted par rate and price to exclude any points |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003077 | 36852771 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003119 | 36852772 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003119 | 36852773 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003119 | 36852774 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003037 | 36852778 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003037 | 36852781 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003037 | 36852782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003035 | 36852783 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003035 | 36852784 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002785 | 36852787 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002785 | 36852788 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002785 | 36852789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003044 | 36852792 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003044 | 36852793 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003044 | 36852794 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003044 | 36852797 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003187 | 36852798 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003187 | 36852800 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided Buyer Comment [Redacted]: See docs attached Reviewer Comment [Redacted]: TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. This is the requirement to cure. Buyer Comment [Redacted]: LOE to the borrower is not needed. We have an e-signed cert attached to the H9 form. Reviewer Comment [Redacted]: Missing LOE to borrower. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Corrected Form was provided but the rescission expiration date did not change. This should be updated with the expiration date being 3 days after the receipt of the new Form. Also, an LOE with proof of delivery is required. Buyer Comment [Redacted]: NOTICE OF RIGHT TO CANCEL |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003051 | 36852802 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003051 | 36852803 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003051 | 36852804 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003068 | 36852809 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003068 | 36852810 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003038 | 36852813 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003038 | 36852814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002620 | 36852815 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1002620 | 36852816 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1002620 | 36852817 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003111 | 36852819 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003111 | 36852820 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003111 | 36852821 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003107 | 36852823 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003107 | 36852824 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003109 | 36852828 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003109 | 36852829 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003109 | 36852830 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003109 | 36852833 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003100 | 36852834 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003100 | 36852835 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003100 | 36852836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002987 | 36852843 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002987 | 36852844 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award letter was not provided in the file. | Reviewer Comment [Redacted]: Received and associated Award Letter. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002987 | 36852848 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: Received and associated Award Letter. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002987 | 36852851 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Trust Agreement / Certificate of Trust not found in the file | Reviewer Comment [Redacted]: Received and associated Trust Agreement. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002987 | 36852852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: Tax returns for [Redacted] were in the file. Tax extension for [Redacted] was filed in a timely fashion. Please accept as a B. |
[Redacted] | No | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1002925 | 36852853 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002925 | 36852854 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003118 | 36852856 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003118 | 36852857 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003118 | 36852858 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003118 | 36852860 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM and passed. Buyer Comment [Redacted]: Please restate Reviewer Comment [Redacted]: The loan must be restated as Higher Priced QM as the TILA designation was submitted as Non-QM. Buyer Comment [Redacted]: see [Redacted]* |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003118 | 36852861 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM and passed. Reviewer Comment [Redacted]: The loan must be restated as Higher Priced QM as the TILA designation was submitted as Non-QM. Buyer Comment [Redacted]: APOR as of rate set date, [Redacted], per compliance report is [Redacted]%; the rate spread is [Redacted]% ([Redacted]% APR minus [Redacted]% APOR). The spread is equal to or greater than [Redacted]%, the loan triggers the Rebuttable Presumption QM tier and is formally a Section 35 Higher-Priced Mortgage Loan, which would not require an appraisal |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003118 | 36852862 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM and passed. Reviewer Comment [Redacted]: The loan must be restated as Higher Priced QM as the TILA designation was submitted as Non-QM. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003118 | 36852865 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan was restated as Higher Priced QM and passed. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM and passed. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003016 | 36852867 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003016 | 36852868 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003016 | 36852869 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003016 | 36852870 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003029 | 36852872 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003029 | 36852873 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003029 | 36852874 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003036 | 36852878 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1003128 | 36852883 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003128 | 36852884 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003128 | 36852885 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003128 | 36852886 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1002995 | 36852888 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002995 | 36852889 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002995 | 36852890 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002995 | 36852891 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002998 | 36852893 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002998 | 36852894 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002998 | 36852895 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003046 | 36852897 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003046 | 36852898 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003046 | 36852899 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003124 | 36852902 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003124 | 36852903 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003124 | 36852904 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003124 | 36852905 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003120 | 36852910 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003120 | 36852911 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003120 | 36852912 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003121 | 36852913 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003121 | 36852914 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003121 | 36852915 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003129 | 36852917 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003129 | 36852918 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003129 | 36852919 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003129 | 36852921 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | None of the CD's in file are signed by the Borrowers, no evidence of receipt of the CD's in file | Reviewer Comment [Redacted]: A tracking report was provided reflecting the borrowers received the final CD on [Redacted]. Reviewer Comment [Redacted]: [Redacted] received [Redacted] & [Redacted] CD's. Final CD issued [Redacted] is missing sigatures/proof of receipt by all borrowers. Provide executed Final CD to confirm receipt by all parties. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003129 | 36852922 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Transaction date is the mailbox rule date since there is not evidence of the CD's receipt in file | Reviewer Comment [Redacted]: A tracking report was provided reflecting the borrowers received the final CD on [Redacted]. Buyer Comment [Redacted]: see [Redacted] reflecting details of disclosure deliveries and receipt |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003129 | 36852923 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment [Redacted]: A tracking report was provided reflecting the borrowers received the final CD on [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003074 | 36852924 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003074 | 36852925 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003074 | 36852926 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003073 | 36852929 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003073 | 36852930 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003073 | 36852932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002971 | 36852935 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002971 | 36852936 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No secondary valuation was provided. Sec ID: 56 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No secondary valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002971 | 36852937 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003018 | 36852938 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003050 | 36852940 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003050 | 36852941 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003050 | 36852942 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003050 | 36852943 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003086 | 36852945 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003086 | 36852946 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003086 | 36852947 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003086 | 36852948 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003139 | 36852950 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Disaster is over [Redacted] year in the past |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003139 | 36852951 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003139 | 36852952 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003154 | 36852956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive/regrade |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003154 | 36852957 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003154 | 36852958 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003154 | 36852960 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: fraud |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003155 | 36852961 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1003155 | 36852962 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1003155 | 36852963 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003122 | 36852964 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003122 | 36852965 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003122 | 36852966 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002940 | 36852968 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002940 | 36852969 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002940 | 36852970 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002940 | 36852971 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002940 | 36852973 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003099 | 36852975 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003099 | 36852976 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003113 | 36852978 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003113 | 36852979 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003113 | 36852980 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003112 | 36852982 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003112 | 36852983 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003123 | 36852988 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003123 | 36852989 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Reviewer Comment [Redacted]: Client elected waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003148 | 36852992 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003148 | 36852993 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003148 | 36852994 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition as it is more than one year prior to consummation. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003148 | 36852996 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Fraud report red flags addressed, cleared Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003028 | 36852997 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003028 | 36852998 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003028 | 36852999 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003133 | 36853001 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: FEMA condition waived as it is more than one year prior to consummation. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003133 | 36853002 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003133 | 36853003 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003125 | 36853006 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003125 | 36853007 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003125 | 36853008 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003126 | 36853013 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003126 | 36853014 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive the condition with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002918 | 36853017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002918 | 36853018 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002918 | 36853019 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002918 | 36853021 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003127 | 36853022 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003127 | 36853023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003127 | 36853024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003115 | 36853027 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003115 | 36853028 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003079 | 36853030 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003079 | 36853031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003079 | 36853032 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003079 | 36853033 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002637 | 36853036 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002637 | 36853037 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002637 | 36853038 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003140 | 36853041 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003140 | 36853042 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003140 | 36853043 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003153 | 36853046 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003153 | 36853047 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002574 | 36853048 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002574 | 36853049 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002574 | 36853050 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003135 | 36853053 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003135 | 36853054 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002587 | 36853056 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002587 | 36853057 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002587 | 36853058 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003159 | 36853060 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in[Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003159 | 36853061 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003159 | 36853062 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002661 | 36853064 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1002661 | 36853065 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1002661 | 36853066 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1002661 | 36853067 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1003152 | 36853068 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003152 | 36853069 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003152 | 36853070 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003152 | 36853071 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in a FEMA Disaster area and has not been inspected. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1002929 | 36853077 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002929 | 36853078 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003165 | 36853079 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003165 | 36853080 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003165 | 36853081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted] . | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003091 | 36853084 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003091 | 36853085 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003091 | 36853086 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003147 | 36853089 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003147 | 36853090 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002996 | 36853093 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002996 | 36853094 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002996 | 36853095 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003156 | 36853098 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003156 | 36853099 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003156 | 36853100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003156 | 36853101 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003167 | 36853105 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003160 | 36853108 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003160 | 36853109 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003130 | 36853113 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003130 | 36853114 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003158 | 36853115 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003158 | 36853116 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003158 | 36853117 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003169 | 36853122 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003169 | 36853123 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003169 | 36853124 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003157 | 36853127 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003157 | 36853128 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003157 | 36853129 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003106 | 36853132 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003106 | 36853133 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003106 | 36853134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003106 | 36853135 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003161 | 36853139 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003161 | 36853140 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003161 | 36853141 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003170 | 36853145 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003170 | 36853146 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002958 | 36853147 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002958 | 36853148 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002958 | 36853149 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003090 | 36853153 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002860 | 36853156 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||||||
| GCAT2026CES1002860 | 36853157 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| GCAT2026CES1002860 | 36853158 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| GCAT2026CES1003137 | 36853166 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003137 | 36853167 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Required appraiser notice or proof of delivery for appraisal on or after [Redacted]. Exception remains. Buyer Comment [Redacted]: Validation of 3 day delivery |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003137 | 36853169 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003114 | 36853171 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003114 | 36853172 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003114 | 36853173 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002926 | 36853175 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002926 | 36853176 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1002926 | 36853177 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003080 | 36853180 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003080 | 36853181 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003080 | 36853182 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003146 | 36853185 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003146 | 36853186 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003146 | 36853187 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003146 | 36853189 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE was provided. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003149 | 36853191 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003149 | 36853192 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003149 | 36853193 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003171 | 36853195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003171 | 36853196 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003171 | 36853197 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003094 | 36853200 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003094 | 36853201 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003094 | 36853202 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003094 | 36853203 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003110 | 36853207 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003110 | 36853208 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1002629 | 36853212 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: -Compliance scope: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003101 | 36853215 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003101 | 36853216 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003101 | 36853218 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003194 | 36853219 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1003194 | 36853220 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003162 | 36853222 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003162 | 36853223 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003162 | 36853224 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003102 | 36853226 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003102 | 36853227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003102 | 36853228 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003102 | 36853229 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted] . | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003132 | 36853231 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003132 | 36853232 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003132 | 36853233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003052 | 36853237 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003052 | 36853238 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003052 | 36853239 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003052 | 36853240 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: guidelines state up until delivery Reviewer Comment [Redacted]: As per guideline required Verbal Verification of Employment VVOE within 10 days of closing . Exception Remains. Buyer Comment [Redacted]: see attached allowed up to delivery & within 10 days |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003203 | 36853241 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment [Redacted]: Received and associated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared. Buyer Comment [Redacted]: UW approval doc/1008 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003203 | 36853242 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1003203 | 36853243 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1003143 | 36853245 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: A supplemental report was provided with policy amount. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003143 | 36853246 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003143 | 36853247 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003143 | 36853248 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003069 | 36853250 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003069 | 36853251 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1003069 | 36853253 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: [Redacted] report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1003172 | 36853255 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003172 | 36853258 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003172 | 36853259 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003175 | 36853260 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003175 | 36853261 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003175 | 36853262 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003145 | 36853266 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003145 | 36853267 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003173 | 36853270 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003173 | 36853271 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003173 | 36853272 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1002662 | 36853273 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1002662 | 36853274 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: A property condition inspection is not a valuation Buyer Comment [Redacted]: Also for condition [Redacted] Buyer Comment [Redacted]: 2nd valuation |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1002662 | 36853275 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1002662 | 36853276 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003141 | 36853278 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003141 | 36853280 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE was provided. Buyer Comment [Redacted]: Clear DRIVE report Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1002862 | 36853281 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003084 | 36853284 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003084 | 36853285 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003142 | 36853288 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003142 | 36853289 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003142 | 36853290 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003142 | 36853291 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy amount is blank.A final policy was not provided. | Reviewer Comment [Redacted]: Title commitment with sufficient coverage, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003150 | 36853292 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003150 | 36853293 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003150 | 36853294 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003105 | 36853299 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003105 | 36853300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003105 | 36853301 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003105 | 36853303 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Signing fee, missing payee. Reflects TBD | Reviewer Comment [Redacted]: PCCD with payee for the signing fee, cleared Buyer Comment [Redacted]: LOE for change Buyer Comment [Redacted]: pccd |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003177 | 36853304 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003177 | 36853305 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003177 | 36853306 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003205 | 36853310 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003205 | 36853311 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003205 | 36853312 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003207 | 36853315 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003207 | 36853316 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003104 | 36853320 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003104 | 36853321 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003104 | 36853323 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Clear DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003144 | 36853325 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003144 | 36853326 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003144 | 36853327 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003202 | 36853329 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, no appraisal provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003202 | 36853330 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003201 | 36853332 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003201 | 36853333 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003201 | 36853335 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003206 | 36853336 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003206 | 36853337 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003206 | 36853338 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003151 | 36853341 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003151 | 36853342 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003151 | 36853345 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan designation of SHQM (APOR does not match LD of HPQM (APOR). | Reviewer Comment [Redacted]: The client restated the loan designation as Higher-Priced QM. Buyer Comment [Redacted]: QM HPML 2nd |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003151 | 36853346 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The client restated the loan designation as Higher-Priced QM. | Reviewer Comment [Redacted]: Client accepts as is. Buyer Comment [Redacted]: restate Higher Priced QM (APOR). |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003211 | 36853347 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003211 | 36853348 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003176 | 36853355 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003176 | 36853356 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003176 | 36853357 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003176 | 36853358 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The VVOE or paystubs dated within [Redacted] days in file is required and was not found in file for the employer '[Redacted]'. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003176 | 36853359 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within [Redacted] business days of the Note for the employer '[Redacted]'. | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003176 | 36853360 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception for partial claim being paid at closing. The borrower has a COVID modification on their first mortgage. They can pay this off at close with the loan proceeds. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003176 | 36853361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003176 | 36853362 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003176 | 36853363 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the [Redacted] day VVOE for Co-Borrower's income | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003176 | 36853364 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Received and associated The Work Number - Employment Only. Exception cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003136 | 36853365 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003136 | 36853366 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003136 | 36853367 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003108 | 36853370 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003178 | 36853372 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003178 | 36853373 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003209 | 36853378 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003209 | 36853379 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003209 | 36853380 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003204 | 36853382 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003204 | 36853383 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1003204 | 36853384 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003168 | 36853387 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003168 | 36853388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003164 | 36853391 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003164 | 36853392 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003033 | 36853394 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003033 | 36853395 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003163 | 36853397 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003163 | 36853400 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003200 | 36853401 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003200 | 36853402 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003134 | 36853406 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003138 | 36853409 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003138 | 36853410 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003174 | 36853417 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003174 | 36853419 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003174 | 36853420 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003174 | 36853421 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003208 | 36853423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003208 | 36853424 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003208 | 36853425 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003166 | 36853430 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003166 | 36853431 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Reviewer Comment [Redacted]: An AVM was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003210 | 36853432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003210 | 36853434 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003210 | 36853435 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001488 | 37064638 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Reviewer Comment [Redacted]: Received and associated signed Security Instrument - Subject Lien. Exception cleared. Buyer Comment [Redacted]: Docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001488 | 37064639 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 3 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001488 | 37064640 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001488 | 37064641 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001500 | 37064644 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001500 | 37064645 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001500 | 37064649 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001500 | 37064650 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The title report reflects the senior lien amount is $[Redacted]. The mortgage statement in file reflects the current loan amount is $[Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001527 | 37064652 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived per instructions. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001527 | 37064654 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: The [Redacted] has an expiration date of [Redacted] but the [Redacted] tracking shows this was not delvered until [Redacted] so that would only provided the borrower with one day of rescission. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Proof of delivery was not provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: The borrower was not allowed a full [Redacted] days of rescission. The borrower received the new [Redacted] form on [Redacted] and it expired on [Redacted]. Rescission will need to be re-opend allowing the borrower to have [Redacted] full days excluding [Redacted] of the date received. Buyer Comment [Redacted]: See attached Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Missing proof of delivery. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001487 | 37064655 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001487 | 37064656 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001487 | 37064657 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001487 | 37064658 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | VOR for Borrower's primary residence was not found in the file. | Reviewer Comment [Redacted]: Received and associated Verification of Rent (VOR) / Verification of Mortgage (VOM). Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001487 | 37064659 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | 1003 reflects the property management address as Borrowers primary address instead of the apt she is renting. Per the unexecuted lease in file, the apt Borrower is renting is [Redacted] at [Redacted]. Unexecuted lease reflects effective [Redacted]. Please provide clarification on how long the Borrower has resided at this address and update the 1003 with Borrowers [Redacted] housing history. Please correct the 1003 with the Borrowers actual physical address, length of residency and provide it's pay history/VOR. | Reviewer Comment [Redacted]: Received Corrected 1003. Exception Cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001487 | 37064660 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Blanket policy in file expired [Redacted], the renewal was not found in the file | Reviewer Comment [Redacted]: Received and associated updated Hazard Insurance Policy. Exception Cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001496 | 37064661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001496 | 37064662 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001496 | 37064663 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001496 | 37064664 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment [Redacted]: Received the invoice and a letter from the lender supporting the POCB amount of $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Received invoice is missing the cardholder's name. Kindly provide proof of payment for the invoice for the rate lock fee paid outside of closing. The exception remains. Buyer Comment [Redacted]: see see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001496 | 37064666 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall exception from assets. | Reviewer Comment [Redacted]: Received the invoice and a letter from the lender supporting the POCB amount of $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001496 | 37064667 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Missing invoice or proof of payment for the rate lock fee paid outside of closing. | Reviewer Comment [Redacted]: Received the invoice and a letter from the lender supporting the POCB amount of $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: proof attached Reviewer Comment [Redacted]: Received invoice is missing the cardholder's name. Kindly provide proof of payment for the invoice for the rate lock fee paid outside of closing. The exception remains. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001496 | 37064668 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing invoice or proof of payment for the rate lock fee paid outside of closing. | Reviewer Comment [Redacted]: Received the invoice and a letter from the lender supporting the POCB amount of $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: proof attached Reviewer Comment [Redacted]: Received invoice is missing the cardholder's name. Kindly provide proof of payment for the invoice for the rate lock fee paid outside of closing. The exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001496 | 37064669 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR waterfall due to available funds for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment [Redacted]: Received the invoice and a letter from the lender supporting the POCB amount of $[Redacted]. Exception Cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001491 | 37064671 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001491 | 37064672 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001491 | 37064673 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Updated fees payee and the now passes QM. Buyer Comment [Redacted]: COC [Redacted] Reviewer Comment [Redacted]: Discount Point details provided but the exception remains. The rate deduction ratio per discount of of [Redacted]% does not meet the standard ratio of [Redacted]%. Difference of rate is [Redacted] from undiscounted rate and the amount charged is [Redacted] equating in [Redacted]% which is less than the standard. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Provide the undiscounted rate and undiscounted price as loan is failing QM points and fees. Buyer Comment [Redacted]: QM HPML on seconds do not require full appraisal. Please review |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001491 | 37064674 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Updated fees payee and the now passes QM. Reviewer Comment [Redacted]: Discount Point details provided but the exception remains. The rate deduction ratio per discount of of [Redacted]% does not meet the standard ratio of [Redacted]%. Difference of rate is [Redacted] from undiscounted rate and the amount charged is [Redacted] equating in [Redacted]% which is less than the standard. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: The Rebuttal is using an APOR of [Redacted]% but the only rate lock available is dated [Redacted] and APOR for that date is [Redacted]%. Also, the rate deduction ratio per discount of of [Redacted]% does not meet the standard ratio of [Redacted]%. Difference of rate is [Redacted] from undiscounted rate and the amount charged is [Redacted] equating in [Redacted]% which is less than the standard. Buyer Comment [Redacted]: see [Redacted] Reviewer Comment [Redacted]: Provide the undiscounted rate and undiscounted price as loan is failing QM points and fees. Buyer Comment [Redacted]: QM HPML on seconds do not require full appraisal. Please review |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001491 | 37064675 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Updated fees payee and the now passes QM. Reviewer Comment [Redacted]: Discount Point details provided but the exception remains. The rate deduction ratio per discount of of [Redacted]% does not meet the standard ratio of [Redacted]%. Difference of rate is [Redacted] from undiscounted rate and the amount charged is [Redacted] equating in [Redacted]% which is less than the standard. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: The Rebuttal is using an APOR of [Redacted]% but the only rate lock available is dated [Redacted] and APOR for that date is [Redacted]%. Also, the rate deduction ratio per discount of of [Redacted]% does not meet the standard ratio of [Redacted]%. Difference of rate is [Redacted] from undiscounted rate and the amount charged is [Redacted] equating in [Redacted]% which is less than the standard. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: This compliance report was in initial file. Provide the undiscounted rate and undiscounted price. Buyer Comment [Redacted]: QM test uploaded Reviewer Comment [Redacted]: Provide the undiscounted rate and undiscounted price as loan is failing QM points and fees. Buyer Comment [Redacted]: QM HPML on seconds do not require full appraisal. Please review |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001520 | 37064679 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001520 | 37064680 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001494 | 37064685 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001494 | 37064686 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001494 | 37064687 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001503 | 37064692 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Receipt of payment Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001503 | 37064693 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001503 | 37064694 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001503 | 37064695 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001503 | 37064696 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. | Reviewer Comment [Redacted]: Received POCB; asset requirement is met. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001507 | 37064699 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001507 | 37064700 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001507 | 37064701 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001493 | 37064704 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001493 | 37064705 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized; Appraisal does not provide. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001493 | 37064706 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001493 | 37064709 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001493 | 37064710 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Loan was closed with the subject property labeled as a PUD and PUD rider attached. AVM and title indicate the subject property is a Condo. | Reviewer Comment [Redacted]: A Mortgage with a Condo Rider was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001506 | 37064711 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001506 | 37064712 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001506 | 37064713 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001506 | 37064715 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. | - | Borrower: [Redacted]: 1003/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes | Reviewer Comment [Redacted]: 1003 updated, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001489 | 37064717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001489 | 37064718 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001489 | 37064721 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of [Redacted]% is over max of [Redacted]% | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001489 | 37064722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1001489 | 37064723 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI of [Redacted]% is over the max of [Redacted]% | Reviewer Comment [Redacted]: The DTI was waived and the loan is now Higher Priced QM Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | A | B | A | B | A | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1001505 | 37064724 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001505 | 37064725 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001505 | 37064726 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001505 | 37064727 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001505 | 37064728 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in a FEMA Disaster area and has not been inspected. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001490 | 37064732 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001490 | 37064733 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has worked in the same position for more than [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001490 | 37064734 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has worked in the same position for more than [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001519 | 37064737 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001519 | 37064738 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001519 | 37064739 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001501 | 37064757 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001501 | 37064758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001501 | 37064759 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001501 | 37064761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001524 | 37064768 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001524 | 37064769 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001524 | 37064770 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001524 | 37064771 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001513 | 37064773 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001513 | 37064774 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001513 | 37064775 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | W-2s and pay stubs are missing. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: the year end [Redacted] & [Redacted] paystubs were given in lieu of the w-2s on [Redacted], which is acceptable per fnma selling guide. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: W-2 ([Redacted]), W-2 ([Redacted]) Reviewer Comment [Redacted]: Received W-2 ([Redacted]); however, provide W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Paystubs, W-2 ([Redacted]), W-2 ([Redacted]) Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: "[Redacted] paystub" "[Redacted] paystub" Buyer Comment [Redacted]: " [Redacted] paystub" "[Redacted] paystub" |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001513 | 37064776 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Waterfall for missing income docs. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: waterfall for income docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001513 | 37064777 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Waterfall for missing income docs. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: waterfall for income docs |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001513 | 37064778 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Waterfall for missing income docs. Buyer Comment [Redacted]: w-2 & paystub uploaded Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: waterfall for income docs. With income should be compliant |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001513 | 37064780 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | [Redacted] and [Redacted] W-2s and pay stubs are missing for the borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: [Redacted] W-2 is missing. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Buyer Comment [Redacted]: water fall Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: "[Redacted] paystub" "[Redacted] paystub" |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001513 | 37064781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | [Redacted] and [Redacted] W-2s and pay stubs are missing for the borrower | Reviewer Comment [Redacted]: The income docs were provided. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: "[Redacted] paystub" "[Redacted] paystub" Buyer Comment [Redacted]: "[Redacted] paystub" "[Redacted] paystub" |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001513 | 37064782 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] and [Redacted] W-2s and pay stubs are missing for the borrower | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: [Redacted] W-2 is missing. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Received Paystubs, please provide W-2 ([Redacted]), W-2 ([Redacted]). Exception remains. Buyer Comment [Redacted]: "[Redacted] paystub" "[Redacted] paystub" |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001518 | 37064784 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001518 | 37064785 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001518 | 37064786 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001518 | 37064788 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. No secondary valuation was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001518 | 37064789 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard only shows the Sr lien mortgagee | Reviewer Comment [Redacted]: Hazard Insurance policy with Lender and its successors and/or assigns, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001518 | 37064791 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: please waive/ accept as is |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001521 | 37064792 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001538 | 37064795 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Lookback for disasters on seconds is 12 months. please clear. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001538 | 37064796 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001538 | 37064797 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is - this is a second lien |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001538 | 37064798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI is now over [Redacted]% with the new trade opened prior to closing. | Reviewer Comment [Redacted]: The DTI was waived so the loan is now Non-QM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | A | B | B | B | Non QM | Non QM | Yes | ||||||||||||||||
| GCAT2026CES1001538 | 37064799 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI is now over [Redacted]% with the new trade opened prior to closing. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: See Drive report with new SOFI trade as well as the exception approval |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001538 | 37064800 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The DTI is now over [Redacted]% with the new trade opened prior to closing. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001537 | 37064801 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001537 | 37064802 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001537 | 37064803 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001497 | 37064805 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001497 | 37064806 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001497 | 37064807 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001497 | 37064808 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001528 | 37064810 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001528 | 37064811 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001528 | 37064812 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001528 | 37064814 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three [Redacted] business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: A closing statement reflecting the loan disbursed on [Redacted] was provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Evidence of a wire was provided. Please provide a signed and/or stamped Settlement Statement by the Title Agent of evidence of disbursement date. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001528 | 37064815 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Dates on Notice of Right to Cancel occurs prior to expected dates. Right to cancel Eligible Disbursement date was [Redacted]. Compliance Disbursement date was [Redacted]. Right to Cancel Expiration Date was [Redacted]. Right to Cancel Expected Expiration Date was [Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Reviewer Comment [Redacted]: An LOE with proof of delivery is part of the documents needed to cure. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: The [Redacted] Form only provided two days of rescission. It has a date of [Redacted] but the borrower did not sign until [Redacted] and the expiration date is [Redacted]. Rescission will need to be reopened. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001504 | 37064816 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001504 | 37064817 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001504 | 37064818 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001504 | 37064819 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception cleared. Buyer Comment [Redacted]: policy effective [Redacted] Reviewer Comment [Redacted]: Required Hazard Insurance Policy effective [Redacted]. For wet funding states, the policy must have an effective date on or prior to the closing/note date [Redacted]. Exception remains Buyer Comment [Redacted]: The hazard insurance date of [Redacted] is before the disbursement date of [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001504 | 37064820 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. | Reviewer Comment [Redacted]: Invoices received for POCBs, cleared Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Received the Closing Disclosure; however, an additional asset document is required to meet the Cash from Borrower requirement of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Bank statements have been received; however, they do not belong to the borrower or co-borrower. Please provide an additional asset document to meet the Cash from Borrower requirement of $[Redacted]. The exception remains open. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001504 | 37064821 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of note date | Reviewer Comment [Redacted]: Received, and associated Pay stub for [Redacted], dated within 10 business days of closing. The exception has been cleared. Buyer Comment [Redacted]: see attached paystub dated within required timeframe to validate employment |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001504 | 37064823 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Dec page has the city as [Redacted]. Note reflects city as [Redacted]. | Reviewer Comment [Redacted]: Received Zip Code Lookup. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001504 | 37064824 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. No proof of [Redacted] exclusion located in the file | Reviewer Comment [Redacted]: Received bank statement as proof to exclude [Redacted] liability. Exception Cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001504 | 37064825 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | QM Risk due to DTI | Reviewer Comment [Redacted]: Received bank statement as proof to exclude [Redacted] liability. Exception Cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001504 | 37064826 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | QM Risk due to DTI | Reviewer Comment [Redacted]: Received bank statement as proof to exclude [Redacted] liability. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001504 | 37064827 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | QM Risk due to DTI | Reviewer Comment [Redacted]: Received bank statement as proof to exclude [Redacted] liability. Exception Cleared. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001499 | 37064828 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001499 | 37064829 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | ile was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Please accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001499 | 37064830 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in a FEMA Disaster area and has not been inspected since [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Lookback for 2nd liens is 12 months - please clear |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001516 | 37064833 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001516 | 37064834 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001516 | 37064835 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001526 | 37064839 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001526 | 37064840 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: not required per lender's guides. please waive/accept as is Buyer Comment [Redacted]: * |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001526 | 37064841 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: * Buyer Comment [Redacted]: please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001526 | 37064843 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Payment History has not been verified for First/Senior Lien. Guidelines require No more than [Redacted] in the last [Redacted] months ([Redacted]), | Reviewer Comment [Redacted]: Evidence the first lien is not in the borrower's name was provided. Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: As per [Redacted]- HELOAN [Redacted] Combined [Redacted] Guidelines. Required No more than [Redacted] in the last [Redacted] months ([Redacted]). Exception remains. Buyer Comment [Redacted]: see attached Buyer Comment [Redacted]: Per fnma guides , if a borrower is not on the current lien, the pay history is not required |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001509 | 37064844 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001509 | 37064846 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Ins only reflects the mortgagee clause for the 1st mortgage. Mortgagee clause for subject 2nd mortgage not on evidence in file | Reviewer Comment [Redacted]: Hazard insurance with both mortgagees listed, cleared Buyer Comment [Redacted]: 2nd mortgage listed Reviewer Comment [Redacted]: Please provide completed insurance policy with second mortgagee listed Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001523 | 37064847 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001523 | 37064848 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001523 | 37064849 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: Valuation obtained was sufficient. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001523 | 37064850 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Valuation obtained was sufficient to meet guides. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001542 | 37064853 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001542 | 37064854 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001542 | 37064855 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001542 | 37064856 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001560 | 37064858 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001560 | 37064859 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001560 | 37064860 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided does not support the qualifying value. Sec ID: 52 | Reviewer Comment [Redacted]: The lower value AVM was used to qualify. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Please advise if the lower value AVM is to be used? If so, the CLTV would be [Redacted]% which is over the max of [Redacted]% so an exception would be required. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | A | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001560 | 37064861 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001540 | 37064865 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001540 | 37064866 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001540 | 37064867 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001565 | 37064871 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001565 | 37064872 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001565 | 37064873 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001565 | 37064874 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001550 | 37064876 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064877 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001550 | 37064878 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064879 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064882 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Financed Fees | [Redacted] High-Cost Loan: Fees financed in excess of the greater of five percent ([Redacted]%) or $[Redacted]. | Fees financed in excess of the greater of five percent or $[Redacted]. | Reviewer Comment [Redacted]: [Redacted] received third party invoices. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Applied RI fee offset for credit report with invoice. Need invoices for the following to offset: $[Redacted] doc prep, $[Redacted] flood, $[Redacted] property inspection, $[Redacted]abstract. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064883 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (High Cost Disclosure Not Provided Timely) | [Redacted] High-Cost Loan: Borrower did not receive High-cost Home Loan Disclosure in sufficient time to receive face-to-face counseling on advisability of transaction. | Borrower did not receive High-cost Home Loan Disclosure in sufficient time to receive face-to-face counseling on advisability of transaction. | Reviewer Comment [Redacted]: [Redacted] received third party invoices. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Not provided at least 10 days prior to closing. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064884 | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) [Redacted] Late Charge | [Redacted] High-Cost Loan: Loan contains an impermissible late charge. | Loan contains an impermissible late charge. | Reviewer Comment [Redacted]: [Redacted] received third party invoices. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: No new documentation provided. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001550 | 37064885 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Home Loan Protection Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] | Reviewer Comment [Redacted]: [Redacted] received third party invoices. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Applied RI fee offset for credit report with invoice. Need invoices for the following to offset: $[Redacted] doc prep, $[Redacted] flood, $[Redacted] property inspection, $[Redacted] abstract. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001550 | 37064886 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan Protection Act Disclosure Timing | [Redacted] High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification in sufficient time to receive face-to-face counseling on advisability of transaction. | Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification in sufficient time to receive face-to-face counseling on advisability of transaction. | Reviewer Comment [Redacted]: [Redacted] received third party invoices. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Not provided at least 10 days prior to closing. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redacted] High-Cost Home Loan threshold exception. | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001510 | 37064887 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001510 | 37064888 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001510 | 37064889 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001510 | 37064890 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001510 | 37064892 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001559 | 37064894 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001559 | 37064895 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001559 | 37064896 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001559 | 37064900 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Clear DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001552 | 37064902 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001552 | 37064903 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001552 | 37064904 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001552 | 37064905 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001567 | 37064908 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001567 | 37064909 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001567 | 37064911 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The file was missing a copy of the Rider - PUD. | Reviewer Comment [Redacted]: Received and associated Rider - PUD. Exception cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001567 | 37064912 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: ATR exceptions cleared. Loan is now compliant HPML |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001567 | 37064913 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: ATR exceptions cleared. Loan is now compliant HPML |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001567 | 37064914 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: ATR exceptions cleared. Loan is now compliant HPML Buyer Comment [Redacted]: see attached - lender compliance testing reflects QM that should not require full appraisal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001567 | 37064916 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Personal tax returns are not signed | Reviewer Comment [Redacted]: Signed Personal tax returns received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001567 | 37064917 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Personal tax returns are not signed | Reviewer Comment [Redacted]: Signed Personal tax returns received Buyer Comment [Redacted]: see attached business verification and return |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001567 | 37064918 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Personal tax returns are not signed | Reviewer Comment [Redacted]: Signed Personal tax returns received |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001547 | 37064920 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001547 | 37064921 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001547 | 37064922 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001547 | 37064923 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001531 | 37064925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001531 | 37064926 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001531 | 37064927 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Lender is open on [Redacted] see lox in the letter provided Reviewer Comment [Redacted]: Evidence the Lender is open for regular business on [Redacted] is required to meet HPML. Buyer Comment [Redacted]: Compliance Check |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001531 | 37064928 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Letter providing showing the Lender is open on [Redacted]. Reviewer Comment [Redacted]: Evidence the Lender is open for regular business on [Redacted] is required to meet HPML. Buyer Comment [Redacted]: Compliance Check |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001531 | 37064930 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001577 | 37064932 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001577 | 37064933 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001577 | 37064934 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001498 | 37064936 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001498 | 37064937 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001498 | 37064938 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001498 | 37064939 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001561 | 37064943 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1001561 | 37064944 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1001561 | 37064945 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1001561 | 37064946 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Debt ratio exceeds debt ratio of [Redacted]% due to higher PITIA for first lien. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | N/A | N/A | No | ||||||||||
| GCAT2026CES1001587 | 37064947 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001587 | 37064948 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001587 | 37064949 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001587 | 37064950 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001609 | 37064952 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] 3 years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001609 | 37064953 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001609 | 37064954 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] 3 years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001594 | 37064956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive/regrade |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001594 | 37064957 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001594 | 37064958 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001594 | 37064959 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001594 | 37064961 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001575 | 37064962 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001575 | 37064963 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001575 | 37064964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001575 | 37064965 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment [Redacted]: Received POCB; asset requirement is met. Exception cleared. Buyer Comment [Redacted]: Receipt for POC |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001575 | 37064968 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: New Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001548 | 37064969 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001548 | 37064970 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001548 | 37064971 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001548 | 37064973 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Evidence the red flags were addressed was provided. Buyer Comment [Redacted]: see [Redacted] clearance |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001551 | 37064974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001551 | 37064975 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: AVM Reviewer Comment [Redacted]: The same appraisal was provided. The loan was submitted with a FNMA UCDP with a CU score of [Redacted] which is above the accepted tolerance of [Redacted]. This is considered a secondary valuation. A higher product is now required to satisfy this exception. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001551 | 37064977 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the 1003 Final. | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: final 1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001551 | 37064979 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Senior Lien Note or recent Mortgage Statement. | Reviewer Comment [Redacted]: Received and associated Senior Lien Note. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001529 | 37064981 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document is missing. | Reviewer Comment [Redacted]: Note - Subject Lien, cleared Buyer Comment [Redacted]: Signed Note |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001529 | 37064982 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final document is missing. | Reviewer Comment [Redacted]: Final 1003, cleared Buyer Comment [Redacted]: Signed Final 1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001529 | 37064983 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001529 | 37064985 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | File is missing the Final executed CD | Reviewer Comment [Redacted]: Final executed CD, cleared Buyer Comment [Redacted]: Final Signed CD |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001529 | 37064986 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. | Reviewer Comment [Redacted]: RTC provided. Buyer Comment [Redacted]: Right to Cancel |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001529 | 37064987 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | Loan disbursed prior to [Redacted] business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: A signed Final CD was provided with a signed date of [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1001529 | 37064988 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual dates on RTC are prior to expected dates. | Reviewer Comment [Redacted]: A signed Final CD was provided with a signed date of [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1001529 | 37064989 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1001604 | 37064990 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001604 | 37064991 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001604 | 37064992 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001604 | 37064993 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001604 | 37064999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The tax returns are not signed and dated as required. | Reviewer Comment [Redacted]: The signed tax returns were provided. Buyer Comment [Redacted]: Waterfall from # [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1001604 | 37065000 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | The tax returns are not signed and dated as required. | Reviewer Comment [Redacted]: The signed tax returns were provided. Buyer Comment [Redacted]: Tax returns uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001554 | 37065002 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001554 | 37065003 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001554 | 37065004 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001554 | 37065005 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001522 | 37065007 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property was not found in the loan file. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001522 | 37065008 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001522 | 37065009 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001522 | 37065010 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001495 | 37065013 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001495 | 37065014 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001495 | 37065016 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001495 | 37065017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Verification of existence of business within [Redacted] calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001495 | 37065018 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001495 | 37065019 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of existence of business within [Redacted] calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001495 | 37065020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001653 | 37065021 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted] . Note P&I was used for the APR calculation and compliance testing. | Reviewer Comment [Redacted]: Updated to Daily Simple and now the P&L matches the Note of $[Redacted]. Buyer Comment [Redacted]: our system should have passed a different designation at initial review for "Always Include Per Diem Interest in First Payment for Daily Simple Interest?" This should answer no. Please update and confirm cleared. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001653 | 37065024 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001653 | 37065025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Seller paid fees on the seller's closing disclosure are not consistent with those on the borrower's final closing disclosure. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001593 | 37065026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001593 | 37065027 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001593 | 37065028 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001618 | 37065031 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001618 | 37065033 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note or mortgage statement not found in the file | Reviewer Comment [Redacted]: Note - Senior Lien, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001618 | 37065034 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (Aggregate Payment Disclosure Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | Reviewer Comment [Redacted]: Cure documentation received. Loan is no longer high cost. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001618 | 37065035 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | Reviewer Comment [Redacted]: Cure documentation received. Loan is no longer high cost. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001618 | 37065036 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (Counseling Disclosure Not Provided) | [Redacted] High-Cost Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment [Redacted]: Cure documentation received. Loan is no longer high cost. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: RESPA Homeownership Counseling List does not satisfy this [Redacted] Subprime Counseling requirement. These are separate disclosures. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001618 | 37065037 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redacted] High-Cost Loan (Financed Fees Exceeds Threshold) | [Redacted] High-Cost Loan: Lender financed points and fees in excess of [Redacted]% of the total loan amount. | Reviewer Comment [Redacted]: Cure documentation received. Loan is no longer high cost. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001618 | 37065038 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (High Cost Legend Not on Mortgage) | [Redacted] High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. | Reviewer Comment [Redacted]: Cure documentation received. Loan is no longer high cost. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001618 | 37065039 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). Non-Compliant High Cost Loan. | Reviewer Comment [Redacted]: Cure documentation received. Buyer Comment [Redacted]: see attached delivery proof Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: The letter to the borrower is not signed or an option chosen. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: While we acknowledge that a one-time up front flood determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan flood services is considered a finance charge. The variance in our [Redacted] high cost testing, is the calculation of the total loan amount (TLA). The lender's compliance report is using the Original Principal Balance of $[Redacted]. It does appear that [Redacted] has added "INFO" on this on their reports, which you can see below let the lender know they did not designate any fees as "financed" which impacts the TLA calculation. For this reason, they are calculating a higher points and fees threshold and not considering the loan as [Redacted] high cost. Our TLA calculation is taking the OPB minus the financed fees, for a total loan amount of $[Redacted]. This sets a threshold or max points and fees limit of $[Redacted] ([Redacted]%) of which the loan's points and fees of $[Redacted] exceeds by $[Redacted]. Please note that [Redacted] does offer a standard cure provision which requires the following: Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. Cure deadline for this loan would be [Redacted]. Buyer Comment [Redacted]: see attached lender explanation to exclude flood cert charge |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001629 | 37065041 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided dated [Redacted] with no visible damage Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001629 | 37065042 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001629 | 37065043 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. A PCI does not provide a value. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001629 | 37065044 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001629 | 37065046 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Secondary Valuation required by guidelines. | Reviewer Comment [Redacted]: PCI was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001563 | 37065047 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001563 | 37065050 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001563 | 37065051 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1) [Redacted] and [Redacted] 1040's are not signed and dated as required by guidelines; and 2) [Redacted] day third party verification not in file | Buyer Comment [Redacted]: See docs provided Reviewer Comment [Redacted]: Received third-party verification; however, two years of signed 1040 tax returns ([Redacted] and [Redacted]) are required. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001563 | 37065052 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | 1) [Redacted] and [Redacted] 1040's are not signed and dated as required by guidelines; and 2) [Redacted] day third party verification not in file | Reviewer Comment [Redacted]: Received and associated the [Redacted] and [Redacted] 1040 Tax Transcripts. Exception has been cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001563 | 37065053 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: The missing income docs were provided and the loan is now SHQM Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001563 | 37065054 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | 1) [Redacted] and [Redacted] 1040's are not signed and dated as required by guidelines; and 2) [Redacted] day third party verification not in file | Reviewer Comment [Redacted]: Received and associated the [Redacted] and [Redacted] 1040 Tax Transcripts. Exception has been cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001563 | 37065055 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | 1) [Redacted] and [Redacted] 1040's are not signed and dated as required by guidelines; and 2) [Redacted] day third party verification not in file | Reviewer Comment [Redacted]: Received and associated the [Redacted] and [Redacted] 1040 Tax Transcripts. Exception has been cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001563 | 37065056 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Received and associated the [Redacted] and [Redacted] 1040 Tax Transcripts. Exception has been cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001563 | 37065057 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Received and associated the [Redacted] and [Redacted] 1040 Tax Transcripts. Exception has been cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001569 | 37065058 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001569 | 37065059 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001569 | 37065060 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Automated Valuation Model Report |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001569 | 37065061 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001569 | 37065063 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing copy of the note or mortgage statement. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001557 | 37065065 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001557 | 37065066 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001557 | 37065067 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001557 | 37065069 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. | Reviewer Comment [Redacted]: Evidence of all 3rd party fees amounts were provided and they match what was charged. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Missing invoices for each third party fee reflected on final CD. Buyer Comment [Redacted]: 3rd Party Fee charged to borrower |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001557 | 37065070 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001582 | 37065072 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001582 | 37065073 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001582 | 37065074 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001582 | 37065076 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing copy of the note or mortgage statement. | Reviewer Comment [Redacted]: Received and associated Note - Senior Lien. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001582 | 37065077 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines required two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001579 | 37065078 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001579 | 37065079 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001579 | 37065080 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support is not provided. | Reviewer Comment [Redacted]: Received and associated Child Support. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001579 | 37065082 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. | Reviewer Comment [Redacted]: A [Redacted] Closing Disclosure with 3rd party fees was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001562 | 37065092 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001562 | 37065093 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] W2 or year end paystub | Reviewer Comment [Redacted]: [Redacted] W2 was provided. Buyer Comment [Redacted]: W2 uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001562 | 37065094 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing [Redacted] W2 for [Redacted] | Reviewer Comment [Redacted]: The [Redacted] W2 was provided. Buyer Comment [Redacted]: [Redacted] W2 is on page [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001562 | 37065095 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing [Redacted] W2 for [Redacted] | Reviewer Comment [Redacted]: The [Redacted] W2 was provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001581 | 37065098 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001581 | 37065099 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001581 | 37065100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001581 | 37065103 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the seondary valuation as required by guidelines. Only an AVM was provided. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001612 | 37065108 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001624 | 37065112 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001624 | 37065113 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001624 | 37065114 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001624 | 37065115 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risk noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001624 | 37065118 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing seondary vaulation as required by the guidelines. The file only has an AVM. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001630 | 37065119 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1001630 | 37065120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1001630 | 37065121 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1001630 | 37065122 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Please waive/accept as it |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1001630 | 37065123 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1001630 | 37065125 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was provided. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1001634 | 37065127 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment [Redacted]: Divorce Decree was provided and states the borrower was relinquished rights to property. Buyer Comment [Redacted]: waterfall from [Redacted] - cleared Buyer Comment [Redacted]: see page [Redacted] of the divorce document in article [Redacted] for equitable distribution. this states wife is relinquished rights to the property and husband will become sole owner. Reviewer Comment [Redacted]: The received Property History still reflects the borrower as the owner of the property, and the Divorce Decree does not indicate that the property has been transferred to the ex-spouse. Exception remains. Buyer Comment [Redacted]: Property awarded to ex-spouse in divorce |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001634 | 37065128 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A DRIVE report was provided. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001634 | 37065129 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001634 | 37065130 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001634 | 37065132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Divorce Decree was provided and states the borrower was relinquished rights to property. Which was causing a DTI tolerance. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001634 | 37065133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. This is due to the [Redacted] property in DTI. | Reviewer Comment [Redacted]: Divorce Decree was provided and states the borrower was relinquished rights to property. Which was causing a DTI tolerance. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: The received Property History continues to reflect the borrower as the owner of the property, and the Divorce Decree does not confirm that the property has been transferred to the ex-spouse. As a result, the PITI for [Redacted] Ln has been included in the DTI calculation, causing the DTI to exceed [Redacted]%. Exception remains. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001634 | 37065134 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. This is due to the [Redacted] property in the DTI. | Reviewer Comment [Redacted]: Received divorce decree indicating ex-husband is responsible for REO property Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Buyer Comment [Redacted]: Copy of article [Redacted] - easier to read Buyer Comment [Redacted]: Article [Redacted] of divorce docs Reviewer Comment [Redacted]: The received Property History continues to reflect the borrower as the owner of the property, and the Divorce Decree does not confirm that the property has been transferred to the ex-spouse. As a result, the PITI for [Redacted] has been included in the DTI calculation, causing the DTI to exceed [Redacted]%. Exception remains. Buyer Comment [Redacted]: waterfall Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001634 | 37065135 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation | Reviewer Comment [Redacted]: Divorce Decree was provided and states the borrower was relinquished rights to property. Which was causing a DTI tolerance. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: The received Property History continues to reflect the borrower as the owner of the property, and the Divorce Decree does not confirm that the property has been transferred to the ex-spouse. As a result, the PITI for [Redacted] has been included in the DTI calculation, causing the DTI to exceed [Redacted]%. Exception remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001517 | 37065137 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: A PCI was provided with no potenial risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1001517 | 37065138 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1001517 | 37065139 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1001517 | 37065140 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1001517 | 37065141 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of HOA Verification. | Reviewer Comment [Redacted]: The property does not have an HOA. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001600 | 37065142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: A PCI with no potenial risks noted was provided. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001600 | 37065143 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001600 | 37065144 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: the client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001600 | 37065145 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001600 | 37065148 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation per guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003333 | 37065150 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003333 | 37065151 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: AVM Reviewer Comment [Redacted]: A property condition inspection is not a valuation. Buyer Comment [Redacted]: Isn't this normally waived? |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1003333 | 37065152 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: AVM Reviewer Comment [Redacted]: A property condition inspection is not a valuation. Buyer Comment [Redacted]: [Redacted] + Property Condition Inspection |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1003333 | 37065153 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Occupancy discrepancy. | Property occupancy of ___ does not match AUS property occupancy of ___. | Evidence of insurance reflects rental unit | Reviewer Comment [Redacted]: The Occupancy was updated to Investment property. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Based on the email thread from the LO, borrower and insurance agent, property is confirmed an investment property. Loan should be underwritten as an investment. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1001642 | 37065156 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001642 | 37065157 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Waived |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001642 | 37065158 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001572 | 37065161 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: AVM+ PCI |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001572 | 37065162 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: AVM + PCI Reviewer Comment [Redacted]: A property inspection is not a secondary valuation Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001572 | 37065163 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001572 | 37065166 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Mortgage statement or Sr. Note not found in the file. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001549 | 37065167 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: PDI, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001549 | 37065168 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001549 | 37065169 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001674 | 37065172 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: since origination date was [Redacted], it appears the disaster date is over 12 months from origination so inspection should not be required. please confirm. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001674 | 37065173 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001674 | 37065174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001668 | 37065177 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. | Reviewer Comment [Redacted]: Evidence the borrower was charged the actual amounts for all third party fees was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The Title Fees invoice amounts are required as well. Buyer Comment [Redacted]: invoice for 3rd party fees |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001668 | 37065178 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001668 | 37065179 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001668 | 37065180 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001647 | 37065181 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001647 | 37065182 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001647 | 37065183 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001647 | 37065185 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001717 | 37065187 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001717 | 37065188 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001717 | 37065189 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Not required for FEMA Disasters occurring within the 12 months prior to origination. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001644 | 37065191 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001644 | 37065192 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001644 | 37065193 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment [Redacted]: The hazard coverage is more than the first and second lien balances combined, cleared Buyer Comment [Redacted]: see attached note from lender coverage exceeds 1st and 2nd mortgage liens |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001644 | 37065195 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Fraud clearance Buyer Comment [Redacted]: See cleared DV |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001673 | 37065196 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001673 | 37065197 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001673 | 37065198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001670 | 37065200 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: FEMA disaster took place over 1 year ago |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001670 | 37065201 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001670 | 37065202 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001650 | 37065206 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001650 | 37065207 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001650 | 37065208 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001650 | 37065209 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing income documentation for pension income being used to qualify. | Reviewer Comment [Redacted]: Pension award letter, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001650 | 37065211 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing income documentation for pension income being used to qualify. | Reviewer Comment [Redacted]: Pension award letter, cleared |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001650 | 37065212 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing income documentation for pension income being used to qualify. | Reviewer Comment [Redacted]: Pension award letter, cleared |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001591 | 37065214 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001591 | 37065218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification for 1120S. | Reviewer Comment [Redacted]: 3rd party verification was provided. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001591 | 37065219 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than [Redacted] days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | 3rd party verification not found in the file | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: 3rd Party Verification. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001591 | 37065220 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification for 1120S. | Reviewer Comment [Redacted]: 3rd party verification was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001590 | 37065223 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001590 | 37065224 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001590 | 37065225 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001590 | 37065226 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Received Credit Card statement as proof to exclude [Redacted] liability. Exception Cleared. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001590 | 37065227 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI | Reviewer Comment [Redacted]: Received Credit Card statement as proof to exclude [Redacted] liability. Exception Cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001590 | 37065228 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment [Redacted]: Received Credit Card statement as proof to exclude [Redacted] liability. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001590 | 37065229 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to DTI | Reviewer Comment [Redacted]: Received Credit Card statement as proof to exclude [Redacted] liability. Exception Cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001631 | 37065232 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001631 | 37065233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Reviewer Comment [Redacted]: A property inspection report does not suffice as a second valuation. Please provide an additional appraisal or a UCDP with an acceptable risk score <= [Redacted]. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001631 | 37065234 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001631 | 37065236 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001564 | 37065238 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001564 | 37065239 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001564 | 37065240 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001564 | 37065243 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for vesting in a trust. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. Miscellaneous |
Fico is [Redacted] points above guideline minimum. | [Redacted] [Redacted] Aggregator |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001583 | 37065245 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001583 | 37065246 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001583 | 37065247 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [Redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: borrower is aware of flood notice in timely manner as this is a 2nd lien and borrower currently has a flood policy in effect. Please waive |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001606 | 37065250 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risk noted. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001606 | 37065251 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001606 | 37065252 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001606 | 37065253 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001606 | 37065255 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: [Redacted] AVM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001555 | 37065256 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001555 | 37065257 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Full appraisal is updated | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: loan as a full appraisal with a SSR score of [Redacted]- two values in file- please cancel exception |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001635 | 37065261 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001635 | 37065262 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001635 | 37065263 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001635 | 37065266 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: PCI was provided and acceptable for secondary valuation per guidelines. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001603 | 37065271 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001603 | 37065272 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001603 | 37065273 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring greater than [Redacted] months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income CLTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum., |
[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1001603 | 37065274 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for vesting in a trust. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income CLTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum., |
[Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001556 | 37065276 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001556 | 37065277 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001556 | 37065278 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001556 | 37065279 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment [Redacted]: Received a mutual hazard insurance policy for both properties. Exception Cleared. Buyer Comment [Redacted]: [Redacted] Buyer Comment [Redacted]: business insurance REOs shown on page [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001556 | 37065280 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001556 | 37065282 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. Buyer Comment [Redacted]: exterior inspection |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001684 | 37065284 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001684 | 37065285 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001544 | 37065287 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive FEMA from [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001544 | 37065288 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001544 | 37065289 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001544 | 37065290 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001544 | 37065292 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: PCI provided, allowed per guidelines. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001660 | 37065293 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001660 | 37065294 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception cleared. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001660 | 37065295 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001660 | 37065296 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001585 | 37065299 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001585 | 37065300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001585 | 37065301 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] AVM uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001585 | 37065303 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided which is acceptable per guidelines. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001638 | 37065304 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001638 | 37065305 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires within [Redacted] days of the Note Date. | Reviewer Comment [Redacted]: Received and associated updated Hazard Insurance Policy. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001586 | 37065309 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001586 | 37065310 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001586 | 37065311 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: [Redacted] Disaster Declaration Date: [Redacted] Disaster End Date: [Redacted] |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001573 | 37065315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment [Redacted]: Changed to Higher Priced QM, cleared Buyer Comment [Redacted]: rebuttal |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001573 | 37065316 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001658 | 37065317 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001658 | 37065318 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001658 | 37065319 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001658 | 37065321 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for request to allow for [Redacted] does not state if the exception was approved or not. | Reviewer Comment [Redacted]: Updated exception form provided shows exception was withdrawn. Buyer Comment [Redacted]: see attached - exception req was withdrawn as it was not required and meets guideline requirements |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001576 | 37065323 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001576 | 37065324 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001576 | 37065327 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] CMPA Home Loan Toolkit Timing | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three [Redacted] business days of application. | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three [Redacted] business days of application. | Reviewer Comment [Redacted]: Evidence the home loan toolkit was provided to the borrower on [Redacted] was provided. Buyer Comment [Redacted]: disclosure tracking [Redacted] attached Reviewer Comment [Redacted]: This is a requirement for [Redacted] Consumer Mortgage Protection Act. This is not for the CFPB requirement. Buyer Comment [Redacted]: This is a closed in 2nd "your home loan toolkit" is not required. The Home Loan Toolkit requirement under Regulation X (12 CFR § 1024.6) applies to lenders receiving an application for a federally related mortgage loan to purchase a one-to-four family residential property. The requirement is tied to purchase transactions Reviewer Comment [Redacted]: What page in [Redacted] shows the toolkit sent [Redacted]? Buyer Comment [Redacted]: toolkit uploaded Buyer Comment [Redacted]: see attached toolkit included in initial disclosure pkg issued [Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001687 | 37065329 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001687 | 37065330 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: RCE, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001687 | 37065332 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001690 | 37065334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1001690 | 37065335 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1001690 | 37065336 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1001690 | 37065337 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | The file was missing a copy of the approval. | Reviewer Comment [Redacted]: The Loan Approval was in the file. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1001541 | 37065340 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: A Supplemental Report with correct policy amount was provided. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1001541 | 37065341 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1001541 | 37065342 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | ||||||||||
| GCAT2026CES1001541 | 37065343 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | |||||||||||
| GCAT2026CES1001541 | 37065344 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing REO Documents. | Reviewer Comment [Redacted]: Received and associated Hazard insurance policy for [Redacted], HOA Verification for [Redacted]. Exception Cleared. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Received corrected 1003, for the property located at [Redacted]. In mortgage statement the property is marked as escrowed. The monthly ITA reflected on the 1003 is $[Redacted], which includes $[Redacted] for HOA dues. The remaining $[Redacted] represents additional payments that still need to be verified. Additionally, received the hazard insurance document for the property located at [Redacted]. However, the insurance premium could not be verified . A complete hazard insurance policy showing the premium amount is required . Exception Remains. Buyer Comment [Redacted]: [Redacted] docs uploaded Reviewer Comment [Redacted]: Received the mortgage statements and property history reports for the properties located at [Redacted] and [Redacted]. Per the property history reports, the borrower is not listed as the owner of these properties; therefore, a corrected Form 1003 is required. For the property located at [Redacted], proof of insurance is required. For the property located at [Redacted], HOA documentation is required. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received and associated Insurance Verification for [Redacted] and Insurance/Tax Verification for [Redacted]. However, HOA Verification for the property located at [Redacted] is still missing . Please provide the HOA Verification document for [Redacted] clearly reflecting the property address. Exception Remains. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: Still missing HOA Verification for [Redacted], Insurance Verification for [Redacted], Insurance and Tax Verification for [Redacted]. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification HOA Verification Insurance Verification, Tax Verification Insurance Verification, Tax Verification Insurance Verification Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1001541 | 37065345 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] , Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted] . | [Redacted] Tax returns or [Redacted] Tax transcripts for each borrower were not provided. | Buyer Comment [Redacted]: accept as is not using latest tax return Reviewer Comment [Redacted]: Tax extension does not clear this. The exception is for securitization purpose to reflect that most recent year's tax returns were not used even if on extension. This must be accepted as is. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: This needs to be accept as is. This is for securitization purposes. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1001589 | 37065347 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001589 | 37065348 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001589 | 37065349 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided and is acceptable for secondary valuation per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001619 | 37065351 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| GCAT2026CES1001619 | 37065352 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| GCAT2026CES1001619 | 37065353 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||
| GCAT2026CES1001617 | 37065354 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001617 | 37065356 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001617 | 37065357 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001617 | 37065358 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001502 | 37065361 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||
| GCAT2026CES1001502 | 37065362 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | N/A | No | |||||||||||||
| GCAT2026CES1001502 | 37065363 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | N/A | No | |||||||||||||
| GCAT2026CES1001620 | 37065364 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001620 | 37065365 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001620 | 37065366 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001716 | 37065376 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001716 | 37065377 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001655 | 37065379 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001655 | 37065380 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001655 | 37065381 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001708 | 37065383 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: AVM's completed [Redacted], end of disaster was [Redacted] > 1 year lookback. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001708 | 37065384 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001708 | 37065385 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001546 | 37065387 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001546 | 37065388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001546 | 37065389 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date [Redacted]. | Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001546 | 37065390 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file was missing a copy of the Note - Subject Lien. | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien Document. Exception cleared. Buyer Comment [Redacted]: fully executed note subject lien. Reviewer Comment [Redacted]: The fully executed Note for the subject 2nd lien was not provided. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001546 | 37065392 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Signed final CD not found in the file | Reviewer Comment [Redacted]: The signed Final CD was provided with a signature date of [Redacted] Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | D | B | C | B | D | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001546 | 37065393 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: The signed Final CD was provided with a signature date of [Redacted] Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | D | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1001546 | 37065394 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | RTC signed by the Borrower not found in the file | Reviewer Comment [Redacted]: The [Redacted] for both borrowers were provided. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | D | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001546 | 37065395 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment [Redacted]: The signed Final CD was provided with a signature date of [Redacted] Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | D | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026CES1001546 | 37065396 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | ||||||||||||||||||||
| GCAT2026CES1001682 | 37065398 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001682 | 37065399 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001682 | 37065400 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001667 | 37065402 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||
| GCAT2026CES1001667 | 37065403 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | 1-4 Family rider missing | Reviewer Comment [Redacted]: Rider - 1-4 Family, cleared Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||||
| GCAT2026CES1001667 | 37065404 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification, Insurance Verification, Statement, Tax Verification missing for address [Redacted]. | Reviewer Comment [Redacted]: Received and associated First payment letter. Exception cleared. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Received Insurance Verification and Tax Verification; however, a mortgage statement is still required for the property located at [Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Need the mortgage statement for this property Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| GCAT2026CES1001640 | 37065405 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001640 | 37065406 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001640 | 37065407 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001492 | 37065410 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001492 | 37065411 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001492 | 37065413 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-medical collections in the amount of $[Redacted] not paid off, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower has a clean housing payment history |
Housing payment history clean for [Redacted] months | [Redacted] [Redacted] [Redacted] Aggregator |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001729 | 37065416 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted]declared end date. | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001729 | 37065417 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001729 | 37065418 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001739 | 37065430 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001739 | 37065431 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001683 | 37065433 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001683 | 37065434 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001683 | 37065435 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001683 | 37065438 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001525 | 37065439 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | File is missing Award Letter / Continuance Letter or other documentation to verify monthly retirement income of $[Redacted] for [Redacted] as stated on Final 1003. | Reviewer Comment [Redacted]: 1099, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received the 1099-SSA and award letter for [Redacted]. However, the award letter required is for [Redacted] to verify monthly retirement income of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001525 | 37065440 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001525 | 37065441 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001525 | 37065444 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing Award Letter / Continuance Letter or other documentation to verify monthly retirement income of $[Redacted] for [Redacted] as stated on Final 1003. | Reviewer Comment [Redacted]: 1099, cleared Reviewer Comment [Redacted]: Received the 1099-SSA and award letter for [Redacted]. However, the award letter required is for [Redacted] to verify monthly retirement income of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001525 | 37065445 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing Award Letter / Continuance Letter or other documentation to verify monthly retirement income of $[Redacted] for [Redacted] as stated on Final 1003. | Reviewer Comment [Redacted]: 1099, cleared Reviewer Comment [Redacted]: Received the 1099-SSA and award letter for [Redacted]. However, the award letter required is for [Redacted] to verify monthly retirement income of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001795 | 37065447 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001795 | 37065448 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file. | Reviewer Comment [Redacted]: The VOE was provided. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001795 | 37065449 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The verification of employment is required and was not found in file. | Reviewer Comment [Redacted]: The VOE was provided. Buyer Comment [Redacted]: VOE on [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001795 | 37065450 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Final 1003 is missing page [Redacted] | Reviewer Comment [Redacted]: All pages of the final application was provided. Buyer Comment [Redacted]: Final 1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001795 | 37065451 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated credit report reflecting [Redacted] Personal Loan #[Redacted] as paid in full on [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Personal Loan # [Redacted]Paid in full on [Redacted] Reviewer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] ([Redacted]) added to liabilities. A payoff stmt in file ([Redacted]) for this liability, was not added to final CD in file. This is causing the DTI to be excessive. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001795 | 37065452 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The calculated dti exceeds max allowable dti of [Redacted]%. Missing VVOE for wage income. | Reviewer Comment [Redacted]: Received and associated credit report reflecting [Redacted] Personal Loan #[Redacted] as paid in full on [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] Paid in full on [Redacted] Reviewer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] ([Redacted]) added to liabilities. A payoff stmt in file ([Redacted]) for this liability, was not added to final CD in file. This is causing the DTI to be excessive. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001795 | 37065453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing VVOE for wage income. | Reviewer Comment [Redacted]: The VOE was provided. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001795 | 37065454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The calculated dti exceeds max allowable dti of [Redacted]% | Reviewer Comment [Redacted]: Received and associated credit report reflecting [Redacted] Personal Loan #[Redacted] as paid in full on [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] Paid in full on [Redacted] Reviewer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] ([Redacted]) added to liabilities. A payoff stmt in file ([Redacted]) for this liability, was not added to final CD in file. This is causing the DTI to be excessive. Buyer Comment [Redacted]: VOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001795 | 37065455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | The calculated dti exceeds max allowable dti of [Redacted]% | Reviewer Comment [Redacted]: Received and associated credit report reflecting [Redacted] Personal Loan #[Redacted] as paid in full on [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Personal Loan # [Redacted] Paid in full on [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001795 | 37065456 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The calculated dti exceeds max allowable dti of [Redacted]%. Missing VVOE for wage income. | Reviewer Comment [Redacted]: Received and associated credit report reflecting [Redacted] Personal Loan #[Redacted] as paid in full on [Redacted]. Exception cleared. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001722 | 37065458 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001722 | 37065459 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001722 | 37065460 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001722 | 37065461 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001722 | 37065462 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary valuation required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001702 | 37065463 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Only required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1001702 | 37065464 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001702 | 37065465 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001723 | 37065469 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001723 | 37065470 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001706 | 37065472 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001706 | 37065473 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001706 | 37065474 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001706 | 37065477 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: Please accept as is Reviewer Comment [Redacted]: The APR exceeds thershold for [Redacted] HPML which the compliant reports reflects as such. This loan is both Federal and State HPML compliant and this exception needs to be accepted as is. Buyer Comment [Redacted]: Client rebuttal Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) Buyer Comment [Redacted]: Doc uploaded Reviewer Comment [Redacted]: [Redacted] reviewed the lender compliance report to calculations. The primary fee causing the $[Redacted] underdisclosure is the Title-Upfront Reimbursement Fee. Unable to determine what services were provided with this fee to determine if APR fee. As for the Credit Monitoring Fee of $[Redacted], to exclude, we would need lender attestation confirming if this is life of loan service or one time thru closing. Please provide lender attestations to address both fees. Buyer Comment [Redacted]: lender rebuttal. |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | B | B | B | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001601 | 37065481 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001601 | 37065482 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001731 | 37065487 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001731 | 37065488 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001731 | 37065489 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001675 | 37065499 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001718 | 37065502 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001718 | 37065504 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001718 | 37065505 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001566 | 37065508 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001566 | 37065509 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001566 | 37065510 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001689 | 37065512 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Only required for FEMA Disasters occurring within the [Redacted] months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001689 | 37065513 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001689 | 37065514 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001733 | 37065516 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001733 | 37065517 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001733 | 37065518 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001530 | 37065521 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001530 | 37065522 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001599 | 37065527 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001599 | 37065528 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001599 | 37065529 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001599 | 37065534 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: 3rd party verification uploaded Reviewer Comment [Redacted]: This exception is for missing 3rd party verification and once that is addressed this will be as well. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001599 | 37065535 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Most Recent third-party records missing in file. | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: 3rd Party records were not found in the trailing docs. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001599 | 37065536 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Most Recent third-party records missing in file. | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: 3rd party verification uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001599 | 37065537 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing 3rd party verification | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: 3rd party verification uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001599 | 37065538 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing 3rd party verification | Reviewer Comment [Redacted]: 3rd party verification was provided. Reviewer Comment [Redacted]: Received the document; however, it does not contain a date. A third-party verification dated within 60 calendar days prior to closing is required. Exception Remains. Buyer Comment [Redacted]: 3rd party verification uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001599 | 37065539 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfalling due to missing 3rd party verification | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: 3rd party verification uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001602 | 37065541 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001726 | 37065545 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001726 | 37065546 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001726 | 37065548 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001625 | 37065551 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support is missing in the file. | Reviewer Comment [Redacted]: Received and associated Divorce Decree / Child Support. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001625 | 37065552 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001625 | 37065555 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001625 | 37065556 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001664 | 37065563 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001664 | 37065564 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001664 | 37065565 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001535 | 37065570 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001535 | 37065571 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001649 | 37065575 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001649 | 37065576 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001649 | 37065577 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Per guidelines, non-medical collections and charge-offs with $[Redacted] balance or aggregate of $[Redacted] , must be paid off. Missing AUS that states these debts do not have to be paid off. | Reviewer Comment [Redacted]: The DU was provided for evidence the collection and charge-offs did not need to be paid prior to closing. Buyer Comment [Redacted]: DU |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001649 | 37065578 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Per guidelines, non-medical collections and charge-offs with $[Redacted] balance or aggregate of $[Redacted] , must be paid off. Missing AUS that states these debts do not have to be paid off. | Reviewer Comment [Redacted]: The DU was provided for evidence the collection and charge-offs did not need to be paid prior to closing. Buyer Comment [Redacted]: DU Buyer Comment [Redacted]: DU Reviewer Comment [Redacted]: DU Approval was not found in the file. If using DU to overcome the non-medical collections then the loan is required to meet all cert requirements. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001649 | 37065579 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Per guidelines, non-medical collections and charge-offs with $[Redacted] balance or aggregate of $[Redacted] , must be paid off. Missing AUS that states these debts do not have to be paid off. | Reviewer Comment [Redacted]: The DU was provided for evidence the collection and charge-offs did not need to be paid prior to closing. Buyer Comment [Redacted]: DU Reviewer Comment [Redacted]: DU Approval was not found in the file. If using DU to overcome the non-medical collections then the loan is required to meet all cert requirements. Buyer Comment [Redacted]: under $[Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001649 | 37065580 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Per guidelines, non-medical collections and charge-offs with $[Redacted] balance or aggregate of $[Redacted] , must be paid off. Missing AUS that states these debts do not have to be paid off. | Reviewer Comment [Redacted]: The DU was provided for evidence the collection and charge-offs did not need to be paid prior to closing. Buyer Comment [Redacted]: DU Reviewer Comment [Redacted]: DU Approval was not found in the file. If using DU to overcome the non-medical collections then the loan is required to meet all cert requirements. Buyer Comment [Redacted]: under $[Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001728 | 37065581 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001592 | 37065583 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001592 | 37065584 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001592 | 37065585 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: AVM + PCI Reviewer Comment [Redacted]: Need a complete second appraisal report for Securitization purposes. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001592 | 37065586 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001592 | 37065588 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: 2nd value |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001787 | 37065589 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001787 | 37065590 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001787 | 37065591 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001787 | 37065594 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided which is an acceptable secondary valuation. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001639 | 37065595 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001639 | 37065598 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001639 | 37065599 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001663 | 37065602 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001663 | 37065603 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001663 | 37065604 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date [Redacted] | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001699 | 37065607 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001699 | 37065608 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001574 | 37065611 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001574 | 37065612 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001574 | 37065613 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001694 | 37065615 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001694 | 37065617 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001694 | 37065620 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] % Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | Buyer Comment [Redacted]: HPML Compliant Reviewer Comment [Redacted]: HPML margin is [Redacted]% not [Redacted]% so [Redacted]% + [Redacted]% = [Redacted]% and the APR of [Redacted]% is more. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: The loan is HPML Compliant. Please accept as is or [Redacted] can downgrade the [Redacted] HPML Compliant exception to an EV1 for all loans. Please reach out if you want this exception to be an EV1 going forward. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001636 | 37065622 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001636 | 37065623 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the note or mortgage statement is required for first lien. Payment history was provided with no interest rate on loan. | Reviewer Comment [Redacted]: Note - Senior Lien, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001744 | 37065625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001744 | 37065626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001666 | 37065628 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001666 | 37065629 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001666 | 37065630 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142 | Reviewer Comment [Redacted]: The lower value was used to qualify. Buyer Comment [Redacted]: they are using the lower of the [Redacted] values Reviewer Comment [Redacted]: The lower value AVM is -[Redacted]% less than the higher. This must be within [Redacted]% of one another. Buyer Comment [Redacted]: both AVMs have a FSD score under .[Redacted] Must have a forecasted standard deviation (FSD) of ≤ [Redacted] Reviewer Comment [Redacted]: Need a UCDP with acceptable risk score Buyer Comment [Redacted]: lender updated 1008 |
[Redacted] | No | 1 | C | A | A | A | C | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001666 | 37065631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001666 | 37065633 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The max CLTV for owner occupied cash out refi with a [Redacted] FICO is [Redacted]%. | Reviewer Comment [Redacted]: Lender exception approving CLTV of [Redacted]%, cleared Buyer Comment [Redacted]: exception updated for CLTV Reviewer Comment [Redacted]: Received a lender exception approving a [Redacted]% CLTV; however, the calculated Combined Loan-to-Value (CLTV) ratio is [Redacted]%, which exceeds the approved limit. Please provide an updated lender exception addressing the calculated CLTV. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001666 | 37065634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to exceed [Redacted]% CLTV. Comp factors - ten months reserves, [Redacted] years in home, [Redacted] years at job, [Redacted] years clean housing history. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception approved |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1001659 | 37065635 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001659 | 37065636 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001659 | 37065637 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: avm |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001659 | 37065638 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001659 | 37065641 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: avm |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001665 | 37065643 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001665 | 37065644 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001665 | 37065645 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001652 | 37065648 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001652 | 37065649 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001652 | 37065654 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | A copy of the Senior Note or it's Mortgage Statement not found in the file | Reviewer Comment [Redacted]: Mortgage Statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001536 | 37065655 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001536 | 37065656 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001611 | 37065660 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment [Redacted]: Final title with sufficient coverage, cleared |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001611 | 37065661 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001611 | 37065662 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Final title with sufficient coverage, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001676 | 37065664 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001676 | 37065665 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001704 | 37065667 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment [Redacted]: Certificate of Exemption, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001704 | 37065668 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001681 | 37065670 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001681 | 37065671 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001646 | 37065674 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001646 | 37065675 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001657 | 37065678 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001657 | 37065679 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001657 | 37065680 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001657 | 37065682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: The schedule E was provided and the DTI no longer exceeds [Redacted]%. The loan is now SHQM. Reviewer Comment [Redacted]: We received the approved file, and Schedule E is available for the property. However, rental income has not been calculated in the final 1003, and P&I is paid off. Please provide a corrected Form 1003 so we can verify whether the rental income for the property has been included in the calculation. Exception Remains Buyer Comment [Redacted]: 1008 |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001657 | 37065683 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: The schedule E was provided and the DTI is now [Redacted]%. Reviewer Comment [Redacted]: We received the approved file, and Schedule E is available for the property. However, rental income has not been calculated in the final 1003, and P&I is paid off. Please provide a corrected Form 1003 so we can verify whether the rental income for the property has been included in the calculation. Exception Remains Buyer Comment [Redacted]: 1008 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001657 | 37065684 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guideline maximum of [Redacted]%. | Reviewer Comment [Redacted]: The schedule E was provided and the DTI is now [Redacted]%. Reviewer Comment [Redacted]: We received the approved file, and Schedule E is available for the property. However, rental income has not been calculated in the final 1003, and P&I is paid off. Please provide a corrected Form 1003 so we can verify whether the rental income for the property has been included in the calculation. Exception Remains Buyer Comment [Redacted]: 1008 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001657 | 37065685 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: The schedule E was provided and the DTI is now [Redacted]%. Reviewer Comment [Redacted]: We received the approved file, and Schedule E is available for the property. However, rental income has not been calculated in the final 1003, and P&I is paid off. Please provide a corrected Form 1003 so we can verify whether the rental income for the property has been included in the calculation. Exception Remains Buyer Comment [Redacted]: 1008 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001669 | 37065686 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001669 | 37065687 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001669 | 37065688 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001669 | 37065691 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: cleared DV |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001637 | 37065695 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with reflecting no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001637 | 37065696 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001637 | 37065697 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: A PCI is not an acceptable secondary for securitization. The client elects to waive. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001637 | 37065698 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Missing secondary valuation or evidence of a Collateral Underwriter score of [Redacted] or less. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001637 | 37065699 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Mortgagee clause reflects [Redacted] and not [Redacted]. | Reviewer Comment [Redacted]: Evidence the mortgagee clause was updated was provided. Buyer Comment [Redacted]: Doc uploaded : mtgee on page [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001637 | 37065700 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided for secondary which is allowed per guidelines. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001743 | 37065703 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001743 | 37065704 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001651 | 37065707 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001738 | 37065709 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001738 | 37065710 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001738 | 37065711 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001738 | 37065712 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001738 | 37065714 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001762 | 37065716 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001762 | 37065717 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001762 | 37065718 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001762 | 37065721 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is HPQM (APOR). | Reviewer Comment [Redacted]: The loan designation was reinstated to Higher Priced QM. Buyer Comment [Redacted]: Please restate and accept as is. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001762 | 37065722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan designation was reinstated to Higher Priced QM. | Reviewer Comment [Redacted]: The client accepts as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001691 | 37065723 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001691 | 37065724 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001691 | 37065725 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001691 | 37065727 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment [Redacted]: Certificate of Compliance, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001691 | 37065728 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Guidelines allow no more than [Redacted] in the last [Redacted] months. Borrower has[Redacted] . | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001705 | 37065731 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001705 | 37065732 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001705 | 37065733 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001703 | 37065734 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001703 | 37065735 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001534 | 37065739 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001534 | 37065740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001534 | 37065741 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to [Redacted] Amer account was not included in DTI but shows a balance and monthly payment on credit report. Evidence account has been paid was not provided. | Reviewer Comment [Redacted]: Received evidence [Redacted] account has been paid off Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001534 | 37065743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing documentation to exclude [Redacted] account, resulting in dti over [Redacted]%. | Reviewer Comment [Redacted]: Received evidence the [Redacted] account was paid in full |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001534 | 37065744 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing documentation to exclude [Redacted] account, resulting in dti over [Redacted]%. | Reviewer Comment [Redacted]: Received evidence the [Redacted] account was paid in full |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001534 | 37065745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | Missing documentation to exclude [Redacted] account, resulting in dti over [Redacted]%. | Reviewer Comment [Redacted]: Received evidence the [Redacted] account was paid in full |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001671 | 37065746 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001671 | 37065747 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001671 | 37065748 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001671 | 37065749 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001671 | 37065751 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided and is acceptable. Buyer Comment [Redacted]: PCI Reviewer Comment [Redacted]: A PCI was not found. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001693 | 37065753 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001693 | 37065754 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001693 | 37065757 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001707 | 37065758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001707 | 37065759 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001740 | 37065762 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001740 | 37065763 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second lien, AVM is provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001745 | 37065766 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001745 | 37065767 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001727 | 37065771 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001727 | 37065772 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001648 | 37065776 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001648 | 37065777 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001648 | 37065779 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Reviewer Comment [Redacted]: The loan designation was restated as SHQM. Buyer Comment [Redacted]: Please restate designation. Please accept as is. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001648 | 37065780 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Per client the red flags were addressed. Buyer Comment [Redacted]: Client is buy to guide; reps and warrants applicant not on government watch lists per guides. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001648 | 37065781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | The loan designation was restated as SHQM. | Reviewer Comment [Redacted]: The loan designation was restated as SHQM and the client accepts this as is. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001748 | 37065782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001748 | 37065783 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001748 | 37065784 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001700 | 37065787 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001700 | 37065788 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: A secondary valuation is required for securitization purposes Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001700 | 37065789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001700 | 37065792 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: page [Redacted] has the avm and page [Redacted] has the PCI from [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001697 | 37065793 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001697 | 37065794 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001578 | 37065798 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001578 | 37065799 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001645 | 37065804 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001645 | 37065805 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001645 | 37065806 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001645 | 37065808 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and is acceptable per guidelines. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001580 | 37065809 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001580 | 37065810 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001580 | 37065811 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001580 | 37065812 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001580 | 37065815 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation was not provided. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001721 | 37065821 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001721 | 37065822 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001734 | 37065825 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001734 | 37065826 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001766 | 37065829 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001766 | 37065830 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001584 | 37065834 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001584 | 37065835 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001584 | 37065836 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001756 | 37065838 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: more than 12 months- app date was [Redacted] and loan closed [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001756 | 37065839 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001756 | 37065840 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001678 | 37065843 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001678 | 37065844 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001678 | 37065845 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001749 | 37065847 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001749 | 37065848 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001616 | 37065850 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001632 | 37065853 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001632 | 37065854 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001632 | 37065855 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001568 | 37065857 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001568 | 37065858 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001568 | 37065859 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001568 | 37065860 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001568 | 37065862 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and is acceptable for a secondary valuation per guidelines. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001688 | 37065863 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | Reviewer Comment [Redacted]: Received and associated AVM. Exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001688 | 37065864 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001688 | 37065865 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001688 | 37065866 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135 | Reviewer Comment [Redacted]: Two AVMs were provided. Buyer Comment [Redacted]: 2 AVMs attached |
[Redacted] | No | 1 | D | A | D | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001688 | 37065867 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001688 | 37065869 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary AVM. | Reviewer Comment [Redacted]: Two AVMs were provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001607 | 37065870 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001607 | 37065871 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001737 | 37065875 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001737 | 37065876 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001737 | 37065879 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment [Redacted]: The loan designation was restated to Higher Priced QM Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001737 | 37065880 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001737 | 37065881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan designation was restated to Higher Priced QM | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001623 | 37065882 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001623 | 37065883 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001623 | 37065884 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001623 | 37065885 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001623 | 37065887 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001732 | 37065888 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001732 | 37065889 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001732 | 37065890 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001633 | 37065894 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001633 | 37065895 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001597 | 37065898 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Reviewer Comment [Redacted]: A PCI was provided with no potential risks found. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001597 | 37065899 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001597 | 37065900 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001597 | 37065901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001597 | 37065903 | Compliance | Compliance | State Compliance | State Defect | [Redacted] CHL Complaint Agency Disclosure Timing Testing | [Redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment [Redacted]: [Redacted] CHL Complaint Agency Disclosure dated [Redacted], cleared Buyer Comment [Redacted]: document dated and sent to borrower [Redacted] Reviewer Comment [Redacted]: The same Disclosure was provided and dated outside of 3 days from application date of [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001597 | 37065904 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: PCI uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001760 | 37065906 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001760 | 37065907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001714 | 37065911 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001714 | 37065912 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001736 | 37065914 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001736 | 37065915 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001736 | 37065916 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001736 | 37065919 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note - Senior Lien is not provided. | Reviewer Comment [Redacted]: Received and associated mortgage statement for First Lien. Exception Cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001661 | 37065923 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001661 | 37065924 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001661 | 37065925 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing mortgage statement or note on first lien. | Reviewer Comment [Redacted]: Note - Senior Lien, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001661 | 37065926 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing insurance and tax verification. | Reviewer Comment [Redacted]: Taxes and insurance, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001698 | 37065927 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Reviewer Comment [Redacted]: Child support documentation received, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001698 | 37065928 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001698 | 37065929 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001627 | 37065932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001627 | 37065933 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001627 | 37065934 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001627 | 37065936 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001679 | 37065937 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001679 | 37065938 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001679 | 37065939 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001686 | 37065945 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001686 | 37065946 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001686 | 37065949 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001608 | 37065955 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001608 | 37065956 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001608 | 37065957 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001758 | 37065961 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001758 | 37065962 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001558 | 37065964 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001558 | 37065965 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001558 | 37065966 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001558 | 37065967 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001558 | 37065970 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and an acceptable secondary valuation per guidelines. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001724 | 37065974 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001724 | 37065975 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001724 | 37065976 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001615 | 37065979 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] % Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | Buyer Comment [Redacted]: accept as is |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001615 | 37065980 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted]declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please waive end date [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001615 | 37065981 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001615 | 37065982 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: please clear, 2 AVMs are in the file |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001553 | 37065985 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001628 | 37065989 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001628 | 37065990 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001628 | 37065991 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001626 | 37065992 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001626 | 37065993 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001626 | 37065994 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001613 | 37065997 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: A property inspection report is not a secondary valuation Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001613 | 37065998 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001613 | 37065999 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001613 | 37066002 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable for secondary valuation per guidelines. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1001712 | 37066004 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001712 | 37066005 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001741 | 37066008 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001532 | 37066010 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001532 | 37066011 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Reviewer Comment [Redacted]: A UCDP was provided with a CU score of [Redacted]. |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001532 | 37066014 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A UCDP was provided with a CU score of [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001754 | 37066021 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification is missing | Reviewer Comment [Redacted]: All REO documents were provided. Reviewer Comment [Redacted]: Received REO documents hazard insurance ($[Redacted]), tax verification ($[Redacted]), Flood Insurance verification ($[Redacted]) for the property #[Redacted], based on 1003 other expenses $[Redacted]. Please provide the proof of expenses for the remaining expenses $[Redacted]. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001754 | 37066022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001754 | 37066023 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001696 | 37066029 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001696 | 37066030 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001696 | 37066031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001641 | 37066033 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1001641 | 37066034 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1001641 | 37066035 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1001610 | 37066038 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001610 | 37066039 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001610 | 37066040 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001622 | 37066043 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001622 | 37066044 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001725 | 37066048 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001725 | 37066049 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001701 | 37066050 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001701 | 37066051 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001755 | 37066053 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001755 | 37066054 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001755 | 37066055 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001605 | 37066057 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001605 | 37066058 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001680 | 37066062 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001680 | 37066063 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001752 | 37066066 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001752 | 37066067 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001752 | 37066068 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001656 | 37066076 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001656 | 37066077 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001656 | 37066078 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001588 | 37066082 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001588 | 37066083 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001588 | 37066084 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001588 | 37066085 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001588 | 37066087 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001765 | 37066090 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001765 | 37066091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001765 | 37066093 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] W-2 | Reviewer Comment [Redacted]: Received and associated the W-2 document for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] [Redacted] W2 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001765 | 37066094 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated the W-2 document for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: Once the missing income docs are provide this will update to Higher Priced QM and will clear. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001765 | 37066095 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | A physical inspection was not performed. | Reviewer Comment [Redacted]: Received and associated the W-2 document for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001765 | 37066099 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing [Redacted] W2. | Reviewer Comment [Redacted]: Received and associated the W-2 document for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1001765 | 37066100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing [Redacted] W2 | Reviewer Comment [Redacted]: Received and associated the W-2 document for [Redacted]. Exception cleared. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1001621 | 37066101 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001677 | 37066104 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: closing signed package uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001677 | 37066105 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note provided is not signed. | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception cleared. Buyer Comment [Redacted]: closing signed package uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001677 | 37066106 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment [Redacted]: Received and associated Security Instrument - Subject Lien. Exception cleared. Buyer Comment [Redacted]: closing signed package uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001677 | 37066107 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001677 | 37066108 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001677 | 37066110 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: The [Redacted] from both borrowers was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001677 | 37066111 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1001711 | 37066112 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001711 | 37066113 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001711 | 37066115 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001711 | 37066117 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001771 | 37066120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001771 | 37066121 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003275 | 37066122 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003275 | 37066123 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||||||
| GCAT2026CES1003275 | 37066124 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003275 | 37066125 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | |||||||||||
| GCAT2026CES1003275 | 37066126 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing insurance verification. | Reviewer Comment [Redacted]: The property expenses have been updated as per the revised 1003. Exception Cleared. Buyer Comment [Redacted]: [Redacted] - Total monthly payment is $[Redacted] Tax $[Redacted] (Per title pro report) / 12 = $[Redacted] Ins $[Redacted] / 12 = $[Redacted]HOA $[Redacted]/mo Please review the uploaded documentation to verify amounts Reviewer Comment [Redacted]: Received corrected 1003 and 1008, Per the 1003, the Monthly Insurance, Taxes, and Association Dues total $[Redacted], Property Taxes of $[Redacted] and Hazard Insurance of $[Redacted]. However, supporting documentation is still required to verify the remaining payment of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received the hazard insurance document. Per the 1003, the Monthly Insurance, Taxes, and Association Dues total $[Redacted], Property Taxes of $[Redacted] and Hazard Insurance of $[Redacted]. However, supporting documentation is still required to verify the remaining payment of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1003275 | 37066127 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing insurance and HOA verification. | Reviewer Comment [Redacted]: The property expenses have been updated as per the revised 1003. Exception Cleared. Buyer Comment [Redacted]: [Redacted] - Total monthly payment is $[Redacted] Tax $[Redacted] (Per title pro report) / 12 = $[Redacted] Ins $[Redacted]/ 12 = $[Redacted] HOA $[Redacted]/mo Reviewer Comment [Redacted]: Received corrected 1003 and 1008, Per the 1003, the Monthly Insurance, Taxes, and Association Dues total $[Redacted], Property Taxes of $[Redacted] and HOA of $[Redacted]. However, supporting documentation is still required to verify the remaining payment of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Per the 1003, the Monthly Insurance, Taxes, and Association Dues total $[Redacted], Property Taxes of $[Redacted] and HOA $[Redacted]. However, supporting documentation is still required to verify the remaining payment of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: inusrance uploaded Reviewer Comment [Redacted]: Received and associated the HOA verification; however, insurance verification is required. Exception Remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1001545 | 37066128 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is not signed | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: Signed Final 1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066129 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note - Subject Lien is not signed | Reviewer Comment [Redacted]: Received and associated note. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066130 | Credit | Missing Document | General | Missing Document | Missing Document: Rider - MERS not provided | Rider - MERS is not signed | Reviewer Comment [Redacted]: Received and associated Rider - MERS. Exception cleared. Buyer Comment [Redacted]: Signed MERS Rider |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066131 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is not signed. | Reviewer Comment [Redacted]: Security Instrument - Subject Lien - cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066133 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: AVMs dated [Redacted], Initial 1003 dated [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001545 | 37066136 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The DTI is over maximum of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated mortgage statement. Exception cleared. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001545 | 37066137 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI is over maximum of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated mortgage statement. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001545 | 37066138 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel not signed | Reviewer Comment [Redacted]: [Redacted] was received from both owners. Buyer Comment [Redacted]: Right to Cancel |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001545 | 37066139 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The Note, Security Instrument, Final 1003, and Closing Disclosure have not been executed. | Reviewer Comment [Redacted]: Received and associated mortgage statement. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066140 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The DTI is over maximum of [Redacted]%. | Reviewer Comment [Redacted]: Received and associated mortgage statement. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001545 | 37066141 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing copy of first lien mortgage statement or note. | Reviewer Comment [Redacted]: First lien mortgage statement was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001545 | 37066142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Received and associated mortgage statement. Exception cleared. |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001545 | 37066143 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1001742 | 37066146 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001742 | 37066147 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001742 | 37066148 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | AVM date of [Redacted] is the same as Application [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001742 | 37066149 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment [Redacted]: A [Redacted] on the correct form signed at closing was provided. Buyer Comment [Redacted]: RTC |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001757 | 37066151 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001757 | 37066152 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001757 | 37066153 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001764 | 37066156 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001764 | 37066157 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001764 | 37066158 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001746 | 37066160 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001746 | 37066161 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001746 | 37066162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001543 | 37066167 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001543 | 37066169 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | [Redacted] | The Occupant on the appraisal reflects 'Tenant' and this is a primary residence refinance. | Reviewer Comment [Redacted]: An updated appraisal with the occupant reflected as Owner was provided. Buyer Comment [Redacted]: Doc uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| GCAT2026CES1001713 | 37066171 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: The [Redacted] was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001713 | 37066173 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001713 | 37066174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001719 | 37066175 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001719 | 37066176 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Right to cancel received |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001719 | 37066177 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Right to cancel received |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001719 | 37066179 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [Redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | [Redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Reviewer Comment [Redacted]: [Redacted] Right Not To Close Discloure was provided. Buyer Comment [Redacted]: [Redacted] Right Not to Close |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001719 | 37066180 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of [Redacted] % on Final Closing Disclosure provided on [Redacted] is under-disclosed from the calculated APR of [Redacted] % outside of [Redacted] % tolerance. | APR of [Redacted]% on Final Closing Disclosure provided on [Redacted] is under-disclosed from the calculated APR of [Redacted]% outside of [Redacted]% tolerance. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted] ). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066183 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066184 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] ). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066185 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Note date used as transaction date for purposes of determining compliance with rescission timing requirements. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001719 | 37066186 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: Right to cancel received Buyer Comment [Redacted]: Right to Cancel for both borrowers |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | D | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1001719 | 37066187 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 missing in the file. | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: Final, signed 1003 |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001719 | 37066189 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document missing in the file. | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception cleared. Buyer Comment [Redacted]: Note |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001719 | 37066190 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument missing in the file. | Reviewer Comment [Redacted]: Received and associated Security Instrument - Subject Lien. Exception cleared. Buyer Comment [Redacted]: executed Security Instrument |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001719 | 37066191 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001719 | 37066192 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | A | B | B | Non QM | Non QM | No | ||||||||||||||||||||
| GCAT2026CES1001598 | 37066194 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001598 | 37066195 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Second AVM, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001598 | 37066196 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001598 | 37066198 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Second AVM, cleared |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001715 | 37066199 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001715 | 37066200 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001570 | 37066202 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001570 | 37066204 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for Rural Property is approved with a [Redacted] pricing hit in addition to standard LLPAs associated with the loan | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
$[Redacted] residual income DTI is [Redacted]% below guideline max. |
[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: lender exception in file |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001788 | 37066207 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001788 | 37066208 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Borrower: [Redacted]: Income Docs Missing VVOE - Employment Only | Reviewer Comment [Redacted]: VOE, cleared |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001788 | 37066209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Reviewer Comment [Redacted]: Updated loan designation per job notes Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001788 | 37066210 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan is ATR risk due to missing VVOE. | Reviewer Comment [Redacted]: VOE, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: VVOE within 10 days is missing for employment with [Redacted]. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001788 | 37066211 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy not provided | Reviewer Comment [Redacted]: Flood insurance policy received Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001788 | 37066212 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment [Redacted]: Verification(s) of employment, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Please provide the Verification(s) of Employment for "[Redacted]", ensuring they are dated within 10 business days of the Note date. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001788 | 37066213 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Verification(s) of employment is not within 10 business days of the Note. Verification(s) of employment is not within 10 business days of the Note. |
Reviewer Comment [Redacted]: The VVOE was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001788 | 37066214 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment [Redacted]: The VVOE was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001571 | 37066215 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment [Redacted]: The Notice of Special Flood Hazard Disclosure was provided a week prior to closing. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | N/A | No | ||||||||||||
| GCAT2026CES1001571 | 37066217 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Secondary valuation not required in Second lien file . | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | N/A | No | |||||||||||
| GCAT2026CES1001571 | 37066218 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Secondary valuation not required in Second lien file . | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | N/A | No | ||||||||||
| GCAT2026CES1001571 | 37066219 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | N/A | No | |||||||||||||||
| GCAT2026CES1001571 | 37066220 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the secondary valuation as required by guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | N/A | No | |||||||||||||
| GCAT2026CES1001514 | 37066221 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001514 | 37066222 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001514 | 37066223 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001508 | 37066227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001508 | 37066228 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001508 | 37066229 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001782 | 37066232 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001782 | 37066233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001709 | 37066236 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001709 | 37066237 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001774 | 37066238 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001774 | 37066239 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001774 | 37066240 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001777 | 37066242 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001777 | 37066243 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001777 | 37066244 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001672 | 37066246 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001672 | 37066247 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001672 | 37066248 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001672 | 37066250 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | Reviewer Comment [Redacted]: Transaction took place [Redacted], disbursed [Redacted]. RTC timing met Buyer Comment [Redacted]: rebuttal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001672 | 37066251 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment [Redacted]: Transaction took place [Redacted], disbursed [Redacted]. RTC timing met Buyer Comment [Redacted]: rebuttal |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1001672 | 37066252 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: Fraud report with no red flags received Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001595 | 37066258 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Rebuttal - Lookback is 12 months, disaster end date is [Redacted]. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001595 | 37066259 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001595 | 37066260 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: 2 AVMs dated before the note date |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001595 | 37066262 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: A Business Entity Verification from the State of [Redacted] dated 5 day prior to closing was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001595 | 37066263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1001595 | 37066264 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: A Business Entity Verification from the State of [Redacted] dated 5 day prior to closing was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001595 | 37066265 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: A Business Entity Verification from the State of [Redacted] dated 5 day prior to closing was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001595 | 37066266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: A Business Entity Verification from the State of [Redacted] dated 5 day prior to closing was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001595 | 37066267 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification of business within 60 days of close. | Reviewer Comment [Redacted]: 3rd party verification was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001596 | 37066268 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001735 | 37066271 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001735 | 37066272 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001735 | 37066273 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001735 | 37066274 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001735 | 37066276 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation per guidelines. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001710 | 37066277 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001710 | 37066280 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: Fraud report with no red flags provided Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001802 | 37066281 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | |||||||||||
| GCAT2026CES1001802 | 37066282 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1001802 | 37066283 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | Non QM | No | ||||||||||
| GCAT2026CES1001775 | 37066284 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001775 | 37066285 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001775 | 37066286 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1001654 | 37066289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001654 | 37066290 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001654 | 37066291 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001750 | 37066295 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001750 | 37066296 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001750 | 37066297 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001692 | 37066298 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001692 | 37066299 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001692 | 37066300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001791 | 37066302 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001791 | 37066303 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001780 | 37066306 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001780 | 37066307 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001780 | 37066308 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001786 | 37066310 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001786 | 37066311 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001786 | 37066312 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001796 | 37066316 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1001796 | 37066317 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||||
| GCAT2026CES1001761 | 37066320 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001761 | 37066321 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001761 | 37066322 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001792 | 37066325 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001792 | 37066326 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003343 | 37066327 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003343 | 37066328 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003343 | 37066329 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001730 | 37066331 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001730 | 37066332 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001614 | 37066335 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001614 | 37066336 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001614 | 37066338 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Clear DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001753 | 37066339 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001753 | 37066340 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001798 | 37066344 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001798 | 37066346 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001784 | 37066347 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001784 | 37066348 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001784 | 37066349 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001779 | 37066350 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001779 | 37066351 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001779 | 37066352 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001533 | 37066354 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001533 | 37066355 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001785 | 37066357 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001785 | 37066358 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001785 | 37066359 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001747 | 37066363 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001747 | 37066364 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001662 | 37066366 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001662 | 37066367 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001662 | 37066370 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Cleared DRIVE Report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001751 | 37066371 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001751 | 37066372 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001751 | 37066373 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001776 | 37066377 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001807 | 37066380 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001807 | 37066381 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001769 | 37066383 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The effective date of the AVM's is [Redacted], which is the same as the application date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1001769 | 37066384 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001799 | 37066387 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001799 | 37066388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001512 | 37066391 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001512 | 37066392 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001811 | 37066397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. There have been no recent inspections provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: This is outside the 12 months period lookback - please clear. Thanks |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001811 | 37066398 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001811 | 37066399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001685 | 37066401 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001685 | 37066402 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003212 | 37066408 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA DIsasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003212 | 37066409 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003212 | 37066410 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003212 | 37066411 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: watrerfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1003212 | 37066412 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and is acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026CES1001511 | 37066417 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001511 | 37066418 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001511 | 37066419 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001772 | 37066422 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001772 | 37066423 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001783 | 37066427 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001783 | 37066428 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001783 | 37066429 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001759 | 37066432 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001759 | 37066433 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001759 | 37066434 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property was not found in the loan file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001767 | 37066436 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001767 | 37066437 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001767 | 37066439 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001806 | 37066443 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001806 | 37066444 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001803 | 37066447 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001803 | 37066448 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001803 | 37066449 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001794 | 37066452 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001794 | 37066453 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001808 | 37066455 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001808 | 37066456 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001695 | 37066461 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001695 | 37066462 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001695 | 37066463 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of [Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount | Reviewer Comment [Redacted]: Hazard insurance has guaranteed replacement, cleared Buyer Comment [Redacted]: HOI shows [Redacted] and guaranteed replacement |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001818 | 37066467 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001818 | 37066468 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001818 | 37066469 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1001804 | 37066471 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001804 | 37066472 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001804 | 37066473 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001820 | 37066477 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001820 | 37066478 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001814 | 37066481 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001814 | 37066482 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001814 | 37066483 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Updated as per the document. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001819 | 37066486 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001819 | 37066487 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001790 | 37066490 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001790 | 37066491 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001790 | 37066492 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001790 | 37066495 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001815 | 37066499 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001815 | 37066500 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001815 | 37066501 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001805 | 37066504 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001805 | 37066505 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001822 | 37066507 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001822 | 37066508 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001720 | 37066511 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Please waive/accept as is |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001720 | 37066512 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: There is an AVM and a PCI in file, this should suffice for a closed end second. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001720 | 37066513 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1001793 | 37066515 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001793 | 37066516 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001793 | 37066517 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001515 | 37066539 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001515 | 37066540 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001813 | 37066543 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001813 | 37066545 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001813 | 37066546 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001797 | 37066548 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001801 | 37066552 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001539 | 37066556 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001539 | 37066557 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001810 | 37066560 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1001810 | 37066561 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001810 | 37066562 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001800 | 37066566 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001812 | 37066568 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001812 | 37066569 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001816 | 37066572 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001816 | 37066573 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001770 | 37066577 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001768 | 37066581 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1001768 | 37066582 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1001643 | 37066586 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001643 | 37066587 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1001643 | 37066588 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001643 | 37066591 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary valuation not provided in the file | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001789 | 37066593 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001789 | 37066594 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001809 | 37066598 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Closed end seconds file. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001809 | 37066599 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Second valuation is already present in the file for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1001817 | 37066602 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001817 | 37066603 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001817 | 37066604 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001778 | 37066607 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001778 | 37066608 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001821 | 37066610 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1001821 | 37066611 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001821 | 37066612 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003216 | 37066614 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003223 | 37066617 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003223 | 37066618 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003217 | 37066620 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003218 | 37066623 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003219 | 37066630 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003219 | 37066631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003224 | 37066633 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003224 | 37066634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003215 | 37066636 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003215 | 37066637 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003222 | 37066640 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003222 | 37066641 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003222 | 37066642 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003213 | 37066645 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003213 | 37066646 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003214 | 37066648 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003214 | 37066649 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003220 | 37066651 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003221 | 37066655 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003221 | 37066656 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001763 | 37066662 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1001763 | 37066663 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001773 | 37066665 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001781 | 37066785 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1001781 | 37066786 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1001781 | 37066788 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Minimum credit score for LTV of [Redacted]% is [Redacted]. | Reviewer Comment [Redacted]: Received the mortgage statement and credit report. The balance was verified against the statement/credit report. The calculated LTV is [Redacted]%, and both the LTV and FICO are within guidelines. Exception Cleared. Buyer Comment [Redacted]: current mtg stmt uploaded. If you use the balance from the stmt or the credit report LTV is under [Redacted] and qualifies with the [Redacted] FICO. Thank you. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003383 | 37194891 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003453 | 37194892 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003453 | 37194893 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003453 | 37194894 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003511 | 37194898 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003511 | 37194900 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003511 | 37194901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003411 | 37194902 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003411 | 37194903 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003269 | 37194907 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003269 | 37194908 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003269 | 37194909 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003368 | 37194912 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003368 | 37194913 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003455 | 37194916 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003455 | 37194918 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003280 | 37194921 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003280 | 37194922 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003280 | 37194923 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003310 | 37194926 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003310 | 37194927 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003433 | 37194929 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003433 | 37194930 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003433 | 37194931 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003371 | 37194933 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003371 | 37194934 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003371 | 37194935 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003229 | 37194937 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003229 | 37194938 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003229 | 37194939 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003229 | 37194941 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: RTC, cleared Buyer Comment [Redacted]: waive uploaded see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003277 | 37194942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003277 | 37194943 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003277 | 37194944 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003446 | 37194953 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003446 | 37194954 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003357 | 37194955 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003357 | 37194956 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003357 | 37194957 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003435 | 37194959 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003435 | 37194960 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003435 | 37194961 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003439 | 37194963 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003439 | 37194964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003439 | 37194965 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003335 | 37194968 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003335 | 37194969 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003335 | 37194970 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003463 | 37194972 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003276 | 37194974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003461 | 37194978 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003461 | 37194979 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003461 | 37194980 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003461 | 37194981 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A cleared fraud report was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003337 | 37194982 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003337 | 37194983 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003337 | 37194984 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003337 | 37194985 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support is not provided. | Reviewer Comment [Redacted]: Divorce Decree / Child Support, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003353 | 37194989 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003353 | 37194990 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003353 | 37194991 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003299 | 37194994 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003299 | 37194995 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003403 | 37194997 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003403 | 37194998 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003403 | 37194999 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003466 | 37195004 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support is missing in the file. | Reviewer Comment [Redacted]: Divorce Decree / Child Support, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003466 | 37195005 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003466 | 37195006 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003466 | 37195007 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003389 | 37195010 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003389 | 37195011 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003389 | 37195012 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003481 | 37195015 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003481 | 37195016 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003481 | 37195017 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003475 | 37195021 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has verified disposable income of at least $[Redacted]. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003475 | 37195022 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003475 | 37195023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003517 | 37195026 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003517 | 37195027 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003517 | 37195028 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003331 | 37195030 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003331 | 37195031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003331 | 37195032 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003470 | 37195034 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003470 | 37195035 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003470 | 37195036 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003346 | 37195038 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003346 | 37195039 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003255 | 37195041 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003255 | 37195042 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003255 | 37195043 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003255 | 37195045 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: final DV |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003313 | 37195047 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003313 | 37195048 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003313 | 37195049 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003464 | 37195050 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003464 | 37195051 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003464 | 37195052 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003323 | 37195054 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003323 | 37195055 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003323 | 37195056 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003507 | 37195059 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003507 | 37195061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. Page [Redacted] of the CD was missing from the file. | Reviewer Comment [Redacted]: [Redacted] received full copy of final CD Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003507 | 37195062 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. Page [Redacted] of the CD was missing from the file. | Reviewer Comment [Redacted]: [Redacted] received full copy of final CD Buyer Comment [Redacted]: final CD |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003507 | 37195063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Incomplete Closing Disclosure is missing page [Redacted]. | Reviewer Comment [Redacted]: [Redacted] received full copy of final CD Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003507 | 37195064 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. | Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. Page[Redacted] of the CD was missing from the file. | Reviewer Comment [Redacted]: [Redacted] received full copy of final CD Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003252 | 37195066 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003252 | 37195067 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent Free LOE not found in the file | Reviewer Comment [Redacted]: Rent Free LOE, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003529 | 37195070 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003529 | 37195071 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003451 | 37195072 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003317 | 37195077 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Limited compliance review |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003317 | 37195078 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: 2 AVMs in file are sufficient to meet guides |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003317 | 37195079 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Disaster over 12 mo prior to origination | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Comp factors |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003317 | 37195080 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: Cleared DRIVE report. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003416 | 37195088 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003444 | 37195097 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003444 | 37195098 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003256 | 37195100 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003256 | 37195101 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003256 | 37195102 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003256 | 37195104 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing first-lien Note or mortgage statement. | Reviewer Comment [Redacted]: The first lien mortgage statement was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003256 | 37195105 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: See Attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003449 | 37195107 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003449 | 37195108 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003449 | 37195111 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: DV |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003449 | 37195112 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is HPQM (APOR) | Reviewer Comment [Redacted]: The loan designation was restated as HPQM. Buyer Comment [Redacted]: accept as is Reviewer Comment [Redacted]: The compliance report provided and in the file both reflect the loan designation as Higher Priced QM but the loan was submitted SHQM. The testing agrees the loan is Higher Priced and needs to be restated as such since it was submitted as SHQM. Buyer Comment [Redacted]: loan detail report |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003449 | 37195113 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan designation was restated as HPQM. | Reviewer Comment [Redacted]: The client accepts as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003457 | 37195114 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003457 | 37195115 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003494 | 37195117 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003494 | 37195119 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Evidence the red flag was addressed. Buyer Comment [Redacted]: Name is Verified please clear or waive Buyer Comment [Redacted]: Name is verified to the patriot act form |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003240 | 37195120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003240 | 37195122 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | AVM provided. Second lien. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003240 | 37195123 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | AVM provided. Second lien. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003240 | 37195124 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003240 | 37195125 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A secondary valuation is required and not found in the file | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003324 | 37195127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Rebuttal - lookback is 12 months. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003324 | 37195128 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003324 | 37195129 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: [Redacted] separate AVMs |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003379 | 37195130 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003379 | 37195131 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003379 | 37195132 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003379 | 37195135 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003474 | 37195136 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003474 | 37195137 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195143 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003345 | 37195144 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is. Reviewer Comment [Redacted]: The same AVM in the file was submitted. Buyer Comment [Redacted]: docs a uploaded to [Redacted] Reviewer Comment [Redacted]: No new documentation provided. Buyer Comment [Redacted]: See Attached 2nd AVM |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003345 | 37195145 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003345 | 37195146 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195147 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM. Buyer Comment [Redacted]: HPML QM- please cancel Reviewer Comment [Redacted]: No new documentation provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195148 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM. Buyer Comment [Redacted]: HPML QM- please cancel Reviewer Comment [Redacted]: No new documentation provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195149 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM. Buyer Comment [Redacted]: this is HPML QM therefore a full appraisal is not required |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195152 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The same AVM in the file was submitted. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195153 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | [Redacted] | Reviewer Comment [Redacted]: Fraud report with Pass status, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: A clear fraud report was not found. Buyer Comment [Redacted]: fraud report clear No Fraud |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003345 | 37195155 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan was restated as Higher Priced QM. | Reviewer Comment [Redacted]: The client accepts as is |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003322 | 37195156 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003322 | 37195157 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003322 | 37195158 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003235 | 37195162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003235 | 37195163 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003235 | 37195164 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003404 | 37195165 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003404 | 37195166 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003404 | 37195167 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003502 | 37195170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003502 | 37195171 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003502 | 37195172 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003485 | 37195177 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003485 | 37195178 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003499 | 37195179 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1003499 | 37195180 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003499 | 37195181 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1003375 | 37195182 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003375 | 37195183 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003375 | 37195184 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003486 | 37195186 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003486 | 37195187 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003486 | 37195188 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Rebuttal - 2 AVMs were provided. Buyer Comment [Redacted]: AVM 2 Buyer Comment [Redacted]: AVM 1 |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003406 | 37195190 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003406 | 37195191 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: AVM 2 Buyer Comment [Redacted]: AVM 1 Buyer Comment [Redacted]: Rebuttal - There are 2 AVMs in the file. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003406 | 37195192 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003382 | 37195196 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003382 | 37195197 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003382 | 37195198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003477 | 37195202 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003477 | 37195203 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003281 | 37195204 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003281 | 37195205 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003281 | 37195206 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003281 | 37195208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Unable to verify current S-Corp status using reasonably reliable third-party records. Missing verification of the existence of the Borrower's business within 60 calendar days of close. | Reviewer Comment [Redacted]: 3rd party verification of business was provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003281 | 37195209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing income documentation. Missing verification of the existence of the Borrower's business within 60 calendar days of close. | Reviewer Comment [Redacted]: 3rd party verification of business was provided. The loan is now SHQM Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: No new documentation provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003281 | 37195210 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing verification of the existence of the Borrower's business within 60 calendar days of close. | Reviewer Comment [Redacted]: 3rd party verification of business was provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003281 | 37195211 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing income documentation. Missing verification of the existence of the Borrower's business within 60 calendar days of close. | Reviewer Comment [Redacted]: 3rd party verification of business was provided. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003242 | 37195212 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Miscellaneous Miscellaneous |
Borrower has been at current residence for [Redacted] years DTI of [Redacted]% is more than [Redacted]% below max of [Redacted]% |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003242 | 37195213 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003242 | 37195214 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Miscellaneous Miscellaneous |
Borrower has been at current residence for [Redacted] years DTI of [Redacted]% is more than [Redacted]% below max of [Redacted]% |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003242 | 37195215 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Miscellaneous Miscellaneous |
Borrower has been at current residence for [Redacted] years DTI of [Redacted]% is more than [Redacted]% below max of [Redacted]% |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003242 | 37195218 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing a required secondary valuation per guidelines | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: PCI Reviewer Comment [Redacted]: The PCI provided is not for the subject property. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003534 | 37195220 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003534 | 37195221 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003534 | 37195222 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003248 | 37195225 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003248 | 37195226 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003248 | 37195227 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003248 | 37195228 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003248 | 37195229 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation per guidelines | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: See Attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003328 | 37195232 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003328 | 37195233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003328 | 37195234 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003526 | 37195238 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003526 | 37195239 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003526 | 37195241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] , Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted] . | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: Accepted as is. Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing. Reviewer Comment [Redacted]: This exception must be accepted as is. This is to inform that the current year tax returns were not used. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003500 | 37195242 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003500 | 37195243 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003500 | 37195244 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003273 | 37195246 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003273 | 37195248 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003273 | 37195250 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003308 | 37195256 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | ||||||||||||||
| GCAT2026CES1003308 | 37195257 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| GCAT2026CES1003308 | 37195258 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| GCAT2026CES1003258 | 37195259 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003258 | 37195260 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003258 | 37195261 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003258 | 37195263 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of [Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Received updated hazard policy reflecting dwelling coverage is equal to replacement costs Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Received the same Hazard Insurance Policy documents that were already present in the file. The current HOI coverage is deficient by $[Redacted]. Please provide either: An updated Hazard Insurance Policy reflecting the required minimum coverage amount, or A copy of the insurer's replacement cost estimate supporting the current coverage amount. Exception remains. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003258 | 37195264 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of [Redacted]%.. Lender used a higher value than the AVM in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive with compensating factors Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Exception requests should be directed to the buyer of the loan Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The value used on the 1008 is $[Redacted]; however, the available AVM reflects an appraised value of $[Redacted]. Due to this variance, the calculated CLTV of [Redacted]% exceeds the maximum guideline CLTV of [Redacted]%. The lender utilized a value higher than the AVM value contained in the file. Please provide supporting documentation evidencing the 1008 appraised value of $[Redacted] so that the higher value used in the CLTV calculation. Exception Remains. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| GCAT2026CES1003258 | 37195265 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | No payee on the Final CD in file. | Reviewer Comment [Redacted]: Letter of Explanation & Corrected Closing Disclosure were provided Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Letter of Explanation & Corrected Closing Disclosure is required for cure. Please provide the LOE. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | B | B | A | A | N/A | N/A | Yes | |||||||||||
| GCAT2026CES1003414 | 37195268 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003414 | 37195269 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003414 | 37195270 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003265 | 37195271 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003265 | 37195272 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003265 | 37195273 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: duplicate from #[Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003265 | 37195274 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003265 | 37195276 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003265 | 37195277 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003363 | 37195278 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003363 | 37195279 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003363 | 37195280 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003355 | 37195282 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003355 | 37195283 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138 | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: A CDA was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003355 | 37195284 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family Document is missing | Reviewer Comment [Redacted]: Received and associated Rider - 1-4 Family. Exception Cleared Buyer Comment [Redacted]: see attached Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003386 | 37195287 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | A | B | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003386 | 37195288 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: An additional AVM was provided. |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | A | B | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003386 | 37195289 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | A | B | N/A | N/A | No | |||||||||||
| GCAT2026CES1003386 | 37195290 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The avm provided is not an eligible property valuation per [Redacted] guidelines. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Buyer Comment [Redacted]: okay to accept as is - post close AVM valuation Reviewer Comment [Redacted]: This exception must be waived as the value of the original AVM was used for qualifying. The additional correct AVM was provided but it is dated post close and cannot be used for qualifying. Buyer Comment [Redacted]: doc |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | A | B | N/A | N/A | No | ||||||||||||||||
| GCAT2026CES1003291 | 37195292 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003291 | 37195293 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003291 | 37195294 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003484 | 37195303 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003484 | 37195304 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003484 | 37195305 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003231 | 37195314 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003231 | 37195315 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003231 | 37195317 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Lender exception approved for DTI variance, cleared Buyer Comment [Redacted]: exception to approve DTI over [Redacted]% |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003231 | 37195318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception approved for DTI variance, cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003231 | 37195319 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Due to Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Lender exception approved for DTI variance, cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003231 | 37195320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation discrepancy due to calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: The client waived the DTI and the loan is now SHQM. Reviewer Comment [Redacted]: Lender exception approved for DTI variance, cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003231 | 37195321 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for DTI variance | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Lender exception approved |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1003521 | 37195323 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003521 | 37195324 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003521 | 37195325 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
LTV is [Redacted]% below guideline max. | [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1003521 | 37195326 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation discrepancy due to calculated DTI of [Redacted]% exceeds the guideline maximum of [Redacted]% | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003521 | 37195327 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
LTV is [Redacted]% below guideline max. | [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: exception approves DTI over [Redacted]% |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1003521 | 37195328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Due to Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Reviewer Comment [Redacted]: Lender exception provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003271 | 37195331 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003271 | 37195332 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003490 | 37195334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003490 | 37195335 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client waives Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: A secondary valuation was not provided. Buyer Comment [Redacted]: Cleared DRIVE report uploaded [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003490 | 37195336 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client waives. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003490 | 37195337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003490 | 37195338 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE was provided. Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003490 | 37195339 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: A secondary valuation was not provided. Buyer Comment [Redacted]: Waterfall from [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003274 | 37195340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003274 | 37195341 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the VA Verification of Benefits. | Reviewer Comment [Redacted]: Received and associated VA Verification of Benefits. Exception Cleared. Buyer Comment [Redacted]: VA Verification of Benefits. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003274 | 37195342 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003274 | 37195345 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing VA compensation documentation. | Reviewer Comment [Redacted]: Received and associated VA Verification of Benefits. Exception Cleared. Buyer Comment [Redacted]: VA Verification of Benefits. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003274 | 37195346 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing VA compensation documentation. | Reviewer Comment [Redacted]: Received and associated VA Verification of Benefits. Exception Cleared. Buyer Comment [Redacted]: VA Verification of Benefits. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003274 | 37195347 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The DTI exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003274 | 37195348 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003476 | 37195351 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003476 | 37195352 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003497 | 37195355 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003230 | 37195357 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003230 | 37195358 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003487 | 37195370 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003487 | 37195371 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003487 | 37195372 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003482 | 37195375 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003482 | 37195376 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003482 | 37195377 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003482 | 37195378 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. | Reviewer Comment [Redacted]: Considered POCB of Lock Fee of $[Redacted], Asset requirement is met. Exception cleared. Buyer Comment [Redacted]: proof borrower paid $[Redacted] Reviewer Comment [Redacted]: Please provide evidence rate lock fee of $[Redacted] was paid by borrower outside of closing to clear Buyer Comment [Redacted]: final CD shows borrower got cash back at closing. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003482 | 37195379 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003236 | 37195381 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003236 | 37195382 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003251 | 37195384 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003251 | 37195385 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003251 | 37195386 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003513 | 37195389 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003513 | 37195390 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003513 | 37195391 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003513 | 37195392 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003513 | 37195393 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003405 | 37195394 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003405 | 37195397 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: EXCEPTION |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003405 | 37195398 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income. | Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: EXCEPTION In file |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1003405 | 37195399 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The calculated dti exceeds [Redacted]%. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income. | Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: EXCEPTION uploaded to file |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| GCAT2026CES1003405 | 37195400 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: EXCEPTION uploaded to file |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003465 | 37195402 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003465 | 37195403 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003448 | 37195405 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003448 | 37195406 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003448 | 37195407 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003448 | 37195410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] , Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted] . | The business or personal tax returns provided are not the most recent. | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: accept as is and reinstate Reviewer Comment [Redacted]: This exception will need to be accepted as is. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003448 | 37195411 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE report was provided. Buyer Comment [Redacted]: final DV |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003448 | 37195412 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003369 | 37195413 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003369 | 37195414 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003369 | 37195417 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003369 | 37195418 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared Buyer Comment [Redacted]: VOE dated [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003369 | 37195419 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing vvoe dated within 10 business days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003369 | 37195420 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing vvoe dated within 10 business days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003369 | 37195421 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing vvoe dated within 10 business days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003369 | 37195422 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing vvoe dated within 10 business days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Verification(s) of employment within 10 business days of the Note. Exception Cleared |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003351 | 37195424 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003351 | 37195425 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003351 | 37195426 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client waives Reviewer Comment [Redacted]: Missing secondary valuation Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003351 | 37195427 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003351 | 37195429 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Buyer Comment [Redacted]: Cleared DRIVE report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003351 | 37195431 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Missing secondary valuation. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Secondary valuation is required per guidelines. Buyer Comment [Redacted]: Duplicate - waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003394 | 37195432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003394 | 37195433 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003394 | 37195434 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003341 | 37195435 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003341 | 37195436 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003341 | 37195437 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003341 | 37195439 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: A supplemental report reflecting the correct title policy amount was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: A supplemental report with the policy amount is required. Or this can be waived. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003338 | 37195441 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003338 | 37195442 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003338 | 37195443 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003338 | 37195446 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003338 | 37195447 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003304 | 37195448 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks needed. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003304 | 37195449 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003304 | 37195450 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003304 | 37195451 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003304 | 37195453 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003304 | 37195454 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE report was provided. Buyer Comment [Redacted]: drive report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003424 | 37195457 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003424 | 37195458 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003424 | 37195459 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003424 | 37195460 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003424 | 37195461 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided Buyer Comment [Redacted]: PCI provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003381 | 37195462 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003381 | 37195463 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003381 | 37195464 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003427 | 37195467 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003427 | 37195468 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003427 | 37195469 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003427 | 37195471 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE report was provided. Buyer Comment [Redacted]: See cleared fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003505 | 37195472 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1003505 | 37195473 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003505 | 37195474 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003473 | 37195477 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003473 | 37195478 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003473 | 37195479 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003473 | 37195482 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation was not provided. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003297 | 37195483 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003297 | 37195484 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003297 | 37195485 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003297 | 37195486 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003297 | 37195488 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003437 | 37195489 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003437 | 37195490 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003437 | 37195491 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003437 | 37195492 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003437 | 37195494 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003396 | 37195496 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003396 | 37195497 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003407 | 37195498 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003407 | 37195499 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003407 | 37195500 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003407 | 37195501 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003407 | 37195503 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003410 | 37195506 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003410 | 37195507 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003410 | 37195508 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003410 | 37195509 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003410 | 37195510 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003307 | 37195511 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003307 | 37195512 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003307 | 37195513 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003307 | 37195514 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003307 | 37195516 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing required secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: 2nd AVM Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003532 | 37195519 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003532 | 37195520 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003532 | 37195521 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003532 | 37195522 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003532 | 37195523 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003325 | 37195524 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003325 | 37195525 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003325 | 37195526 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003428 | 37195529 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003428 | 37195530 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003428 | 37195531 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003447 | 37195534 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003447 | 37195535 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003447 | 37195536 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003498 | 37195540 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003498 | 37195543 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Reviewer Comment [Redacted]: The loan designation was restated as SHQM. Buyer Comment [Redacted]: please restate designation and accept as is |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003498 | 37195544 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003498 | 37195545 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003498 | 37195546 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | The loan designation was restated as SHQM. | Reviewer Comment [Redacted]: The loan designation was restated as SHQM. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | B | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003450 | 37195550 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003450 | 37195551 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003450 | 37195552 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003450 | 37195553 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003293 | 37195556 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003293 | 37195557 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 | Note Date: ___; Lien Position: ___ | The file was missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003293 | 37195558 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003344 | 37195560 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003344 | 37195561 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003344 | 37195562 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: uploaded to [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003344 | 37195563 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003344 | 37195565 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003344 | 37195566 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE report was provided. Buyer Comment [Redacted]: fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003232 | 37195567 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003232 | 37195570 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Final 1003 reflects Borrower pays $[Redacted] a month in child support. Please provide the documentation to support this obligation. | Reviewer Comment [Redacted]: Received and associated Divorce Decree. Exception Cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003528 | 37195571 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003528 | 37195572 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003528 | 37195573 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003528 | 37195575 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Complaint Agency Disclosure Not Provided) | [Redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment [Redacted]: [Redacted] CHL Complaint Agency Disclosure, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003434 | 37195576 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: exterior PCI is acceptable - attached Reviewer Comment [Redacted]: Per guidelines, Post Disaster Inspection (PDI) report that sufficiently identifies subject property unaffected by most recently declared disaster activity is required. Exception remains Buyer Comment [Redacted]: AVM was performed after the ending of the FEMA Alert. The date of the Valuation with photos in [Redacted] showing the property is still standing without damage. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003434 | 37195577 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive Buyer Comment [Redacted]: see attachef |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003434 | 37195578 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003434 | 37195579 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | initial Notice of Special Flood Hazard Disclosure is missing in file. | Reviewer Comment [Redacted]: The Flood Hazard Disclosure was provided a week prior to closing. Buyer Comment [Redacted]: See Attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003434 | 37195580 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003434 | 37195581 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003434 | 37195582 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003227 | 37195584 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003227 | 37195585 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003329 | 37195587 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003329 | 37195588 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003329 | 37195589 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003430 | 37195592 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Validated and reviewed as per guidelines, | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003430 | 37195593 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception required for rural property. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] years | Aggregator,[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003336 | 37195594 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003438 | 37195597 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003426 | 37195599 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003426 | 37195600 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003426 | 37195601 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003426 | 37195602 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003426 | 37195604 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary Valuation not provided in file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003266 | 37195606 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003266 | 37195607 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003266 | 37195608 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003266 | 37195609 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003245 | 37195610 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003245 | 37195611 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003245 | 37195612 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003245 | 37195613 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003245 | 37195615 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Shortfall of $[Redacted]. Combined 1st and 2nd mtg balances exceed hazard coverage, no RCE in file or LOE from agent | Reviewer Comment [Redacted]: Received and associated Replacement Cost Estimator. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003245 | 37195616 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary Valuation required and not located in the file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003388 | 37195617 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003388 | 37195618 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003388 | 37195619 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003388 | 37195620 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003388 | 37195622 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary Valuation required and not located in the file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003419 | 37195623 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003419 | 37195624 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003419 | 37195625 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003419 | 37195627 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A [Redacted] DRIVE report was provided. Buyer Comment [Redacted]: See cleared fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003419 | 37195628 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [Redacted] W2. | Reviewer Comment [Redacted]: The [Redacted] W2 was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003496 | 37195629 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003496 | 37195630 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003496 | 37195631 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003290 | 37195633 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003290 | 37195634 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003290 | 37195635 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003290 | 37195636 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003290 | 37195637 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003349 | 37195640 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003349 | 37195641 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003349 | 37195642 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003349 | 37195645 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Per client the red flags were addressed. Buyer Comment [Redacted]: Verified name to Credit report, SSA - please clear this condition. This is a common name |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003298 | 37195646 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003298 | 37195647 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003298 | 37195648 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003264 | 37195659 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003264 | 37195660 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003264 | 37195661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The Client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003417 | 37195665 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003417 | 37195667 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003377 | 37195672 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003377 | 37195673 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Reviewer Comment [Redacted]: Second AVM, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003377 | 37195674 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003377 | 37195676 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Second AVM, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003377 | 37195677 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Max LTV with [Redacted] fico score is [Redacted]%. | Reviewer Comment [Redacted]: Used the AVM with higher value as the primary appraisal, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | A | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003348 | 37195678 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached dispute |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| GCAT2026CES1003348 | 37195679 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003348 | 37195680 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003348 | 37195683 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing exterior inspection required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The loan was registered prior to the guidelines dated [Redacted] so the [Redacted] CES guidelines were used and these require an exterior inspection. Buyer Comment [Redacted]: see attached dispute |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||
| GCAT2026CES1003321 | 37195685 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003321 | 37195686 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003321 | 37195687 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003321 | 37195688 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003321 | 37195690 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003516 | 37195692 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003516 | 37195693 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003516 | 37195694 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003516 | 37195696 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation was not provided. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003413 | 37195697 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003413 | 37195698 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003413 | 37195699 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: value attached to [Redacted] Reviewer Comment [Redacted]: An exception for another file was provided. Buyer Comment [Redacted]: exception |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003413 | 37195700 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003413 | 37195703 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Closing Disclosure issued [Redacted] was not signed and dated by the borrower. No evidence of receipt was provided. | Reviewer Comment [Redacted]: A signed Final CD was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003413 | 37195704 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | Subject loan transaction disbursed on [Redacted], prior to three business days from estimated transaction date of [Redacted]. Closing Disclosure issued [Redacted] was not signed and dated by the borrower. | Reviewer Comment [Redacted]: A signed Final CD was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003413 | 37195705 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Closing Disclosure issued [Redacted] was not signed and dated by the borrower. | Reviewer Comment [Redacted]: A signed Final CD was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003413 | 37195706 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required secondary valuation was not provided. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: An exception for another file was provided. Buyer Comment [Redacted]: exception Reviewer Comment [Redacted]: The secondary valuation was not received. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003352 | 37195707 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: Over [Redacted] years old |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003352 | 37195708 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003352 | 37195709 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003352 | 37195710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003352 | 37195712 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation product was not provided | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003312 | 37195713 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003312 | 37195714 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003445 | 37195718 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: . Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003445 | 37195719 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003445 | 37195720 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: rebuttal Reviewer Comment [Redacted]: Need a secondary valuation or a UCDP with an acceptable risk score Buyer Comment [Redacted]: doc pertains to exception [Redacted] Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003445 | 37195721 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003445 | 37195722 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Using the coverage listed on the insurance binder, the coverage shortage is $ $[Redacted]. | Reviewer Comment [Redacted]: The dwelling coverage is greater than the first and second lien mortgages combined, cleared Buyer Comment [Redacted]: see [Redacted]- doc uploaded to wrong exception. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003445 | 37195724 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003392 | 37195725 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: Rebuttal: Look back is [Redacted] months. AVM date is [Redacted]. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003392 | 37195726 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003392 | 37195727 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003392 | 37195728 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address does not reflect "[Redacted]". | Reviewer Comment [Redacted]: Hazard Insurance with correct address, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003392 | 37195729 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing primary housing rental history. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195730 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potenial risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195731 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003350 | 37195732 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003350 | 37195733 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195734 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. Reviewer Comment [Redacted]: Please provide the most recent Lock Confirmation to determine date of the APOR Index. The only Lock Confirmation in the file reflects a higher rate than the Note rate and the lock expired on [Redacted]. Buyer Comment [Redacted]: Loan is not HPML |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195735 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See exception #[Redacted]- Most recent lock uploaded Reviewer Comment [Redacted]: Please provide the most recent Lock Confirmation to determine date of the APOR Index. The only Lock Confirmation in the file reflects a higher rate than the Note rate and the lock expired on [Redacted]. Buyer Comment [Redacted]: Loan is not HPML |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195736 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Please provide the most recent Lock Confirmation to determine date of the APOR Index. The only Lock Confirmation in the file reflects a higher rate than the Note rate and the lock expired on [Redacted]. Buyer Comment [Redacted]: Rebuttal - The loan is not HPML |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003350 | 37195738 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of [Redacted] Higher-Priced Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted] Higher-Priced Loan: APR on subject loan of [Redacted] Higher-Priced Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003350 | 37195739 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A CPI was provided which is acceptable per guidelines for secondary valuation. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003469 | 37195740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003469 | 37195741 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient | Reviewer Comment [Redacted]: Hazard Insurance with sufficient coverage, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003469 | 37195745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment [Redacted]: The loan was restated as Higher Priced QM. Buyer Comment [Redacted]: estate the designation and accept as is. We sent over the wrong designation Reviewer Comment [Redacted]: The loan designation needs to be stated as Higher Priced QM. The loan does not pass the threshold for QM. The APOR of [Redacted]% + margin [Redacted]% = [Redacted]%. The loan closed with a [Redacted]% APR. The compliance report in the file reflects this as well. Buyer Comment [Redacted]: fee information |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003469 | 37195746 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003469 | 37195747 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan was restated as Higher Priced QM | Reviewer Comment [Redacted]: The client accepts as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003372 | 37195749 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003372 | 37195750 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003372 | 37195751 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003292 | 37195752 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003292 | 37195753 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003292 | 37195755 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | [Redacted] [Redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three [Redacted] business days of receipt of the loan application. | [Redacted] HB [Redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. | Reviewer Comment [Redacted]: The loan switched from a HELOC on [Redacted] which is when the LE was sent with material terms. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Apologies we need the LE that was sent on [Redacted] which is the application date. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Please provide the LE that was sent on [Redacted]. Buyer Comment [Redacted]: compliance docs attached Reviewer Comment [Redacted]: The earliest LE is dated [Redacted] but the loan application is dated [Redacted] so the LE was not disclosed within 3 days of application. Buyer Comment [Redacted]: Per the [Redacted] matrix that was provided it says for [Redacted]- Disclosure Summary - Variable Rate loan (if the rate change) Not required if LE/CD provided. - Disclosure Summary - Variable Rate Loan (if the Rate is fixed) - Not required if LE/CD provided. We provided LE's and CDs. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003292 | 37195756 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: cleared fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003268 | 37195757 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003268 | 37195758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003268 | 37195759 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003268 | 37195760 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003268 | 37195762 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003462 | 37195765 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003462 | 37195766 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI considered as per guidelines. | Reviewer Comment [Redacted]: Received and associated credit payoff statement. Exception cleared. Buyer Comment [Redacted]: [Redacted] stmt $[Redacted] balance Reviewer Comment [Redacted]: As per the credit report, account #[Redacted] ([Redacted]) shows [Redacted] remaining monthly payments. Therefore, the liability cannot be excluded under less than [Redacted] months remaining. Updated supporting documentation is required. Exception Remains. Buyer Comment [Redacted]: please remove liabilities under [Redacted] months payments left. also please update the 1st lien payment to [Redacted] per credit and mtg stmt. this should correct the DTI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003462 | 37195767 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003462 | 37195768 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear DRIVE report was provided. Buyer Comment [Redacted]: cleared fraud report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003462 | 37195769 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Received and associated credit payoff statement. Exception cleared. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: As per the credit report, account #[Redacted]([Redacted]) shows [Redacted] remaining monthly payments. Therefore, the liability cannot be excluded under less than [Redacted] months remaining. Updated supporting documentation is required. Exception Remains. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | A | B | B | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003462 | 37195770 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Received and associated credit payoff statement. Exception cleared. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: As per the credit report, account #[Redacted]([Redacted]) shows [Redacted] remaining monthly payments. Therefore, the liability cannot be excluded under less than [Redacted] months remaining. Updated supporting documentation is required. Exception Remains. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003462 | 37195771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Received and associated credit payoff statement. Exception cleared. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: As per the credit report, account #[Redacted]([Redacted]) shows [Redacted] remaining monthly payments. Therefore, the liability cannot be excluded under less than [Redacted] months remaining. Updated supporting documentation is required. Exception Remains. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003495 | 37195772 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003495 | 37195773 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003495 | 37195774 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003495 | 37195775 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Evidence of payoff of collection account in the amount of $[Redacted] with Advanced Collection has not been provided. Required per AUS in file. | Reviewer Comment [Redacted]: Documentation was provided to show this is a medical collection. Buyer Comment [Redacted]: This is a medical collection. Reviewer Comment [Redacted]: Evidence of payoff was not found. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003495 | 37195776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Evidence of payoff of collection account in the amount of $[Redacted] with Advanced Collection has not been provided. Required per AUS in file | Reviewer Comment [Redacted]: Documentation provided to show this is a medical collection. Buyer Comment [Redacted]: This is a medical collection Reviewer Comment [Redacted]: Evidence of payoff was not found. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003493 | 37195778 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003493 | 37195779 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003493 | 37195780 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003493 | 37195786 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003380 | 37195787 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003380 | 37195788 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003380 | 37195789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003380 | 37195790 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003380 | 37195792 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003241 | 37195794 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003241 | 37195795 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003241 | 37195796 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: See Attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003241 | 37195797 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003241 | 37195798 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003376 | 37195799 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003376 | 37195800 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003376 | 37195801 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003376 | 37195802 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003376 | 37195804 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Secondary Valuation per guidelines | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: Second valuation Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003454 | 37195805 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003454 | 37195806 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003454 | 37195807 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003454 | 37195808 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003454 | 37195811 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Secondary Valuation per Guidelines | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: AVM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003508 | 37195812 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003508 | 37195813 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003508 | 37195814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: There were two AVMs in the file. |
[Redacted] | No | 1 | N/A | A | A | A | N/A | A | N/A | A | N/A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003508 | 37195815 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003226 | 37195818 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003226 | 37195819 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003226 | 37195820 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003340 | 37195824 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: PDI, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003340 | 37195825 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003340 | 37195826 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003296 | 37195829 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003296 | 37195830 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003296 | 37195831 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003296 | 37195834 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation as required by the guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003261 | 37195835 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Copy of Note - Subject Lien is not available. | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception cleared. Buyer Comment [Redacted]: See Attached Note Reviewer Comment [Redacted]: The received Note for the subject lien is not signed. Please provide a fully executed/signed Note for the subject lien. Exception remains. Buyer Comment [Redacted]: See Attached Note |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003261 | 37195836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Copy of 1003 Final is not available. | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003261 | 37195837 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003261 | 37195840 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. | Reviewer Comment [Redacted]: Received and associated Appraiser Notice confirming that the appraisal was sent to borrower on [Redacted]. Exception cleared. Buyer Comment [Redacted]: proof of delivery AVM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003261 | 37195841 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: The [Redacted] for both borrowers were provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003261 | 37195843 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | The Final CD was not signed so the mail rule applies making the transaction date [Redacted] rather than [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: See Attached Signed CD & ROR Signed by all parties Buyer Comment [Redacted]: See Attached All Pages Reviewer Comment [Redacted]: Only page one of the CD with the disbursement date highlighted was provided. Please provide all pages of the Final CD including the signature pages. Buyer Comment [Redacted]: see attached Signed CD ROR |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| GCAT2026CES1003261 | 37195844 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The Final CD was not signed so the mail rule applies making the transaction date [Redacted] rather than [Redacted]. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CD See attached reflecting the closing date |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | D | A | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| GCAT2026CES1003261 | 37195845 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | Non QM | Non QM | No | ||||||||||||||||||||
| GCAT2026CES1003503 | 37195848 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: Informed Consumer Choice Disclosure Notice was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The compliance report reflects the loan is HPML so [Redacted] HPML is the same. When the loan is [Redacted] HPML the borrower is to be provided a written disclosure of non-higher priced loans othewise qualified for. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003503 | 37195849 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: Informed Consumer Choice Disclosure Notice was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The compliance report reflects the loan is HPML so [Redacted] HPML is the same. When the loan is [Redacted] HPML the borrower is to be provided a written disclosure of non-higher priced loans othewise qualified for. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003503 | 37195850 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003504 | 37195854 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: See attached Buyer Comment [Redacted]: loan application was [Redacted]- the disaster was declared prior- please cancel |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | ||||||||||
| GCAT2026CES1003504 | 37195855 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003504 | 37195856 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003504 | 37195857 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: Evidence the red flags were addressed was provided. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003238 | 37195858 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003309 | 37195862 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003309 | 37195863 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003309 | 37195864 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003384 | 37195867 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003384 | 37195868 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003384 | 37195870 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: RTC, cleared Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Neither of the [Redacted] provided are signed. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003384 | 37195872 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment [Redacted]: Received and associated 1003 Final. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003384 | 37195873 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003384 | 37195874 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment [Redacted]: Received and associated Security Instrument - Subject Lien. Exception cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003384 | 37195875 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003384 | 37195876 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1003384 | 37195877 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | Reviewer Comment [Redacted]: The signed final CD was provided updating the transaction date to [Redacted] Buyer Comment [Redacted]: docs uploaded- final cd Reviewer Comment [Redacted]: The same [Redacted] was provided and it reflects a transaction date of [Redacted]. However, since the Final CD dated [Redacted] was not signed the transaction date becomes [Redacted]. Please provide the signed Final CD dated no later than [Redacted]. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1003384 | 37195878 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment [Redacted]: The signed final CD was provided updating the transaction date to [Redacted] Buyer Comment [Redacted]: final cd uploaded Reviewer Comment [Redacted]: The same [Redacted] was provided and it reflects a transaction date of [Redacted]. However, since the Final CD dated [Redacted] was not signed the transaction date becomes [Redacted]. Please provide the signed Final CD dated no later than [Redacted]. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||||||||
| GCAT2026CES1003384 | 37195879 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Evidence a credit card debt was paid prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003384 | 37195880 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: The loan was submitted as a Higher Priced QM. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003384 | 37195881 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment [Redacted]: The loan was submitted as a Higher Priced QM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003384 | 37195882 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment [Redacted]: The loan was submitted as a Higher Priced QM |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003384 | 37195883 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Evidence a credit card debt was paid prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1003384 | 37195884 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: Evidence a credit card debt was paid prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003384 | 37195885 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds [Redacted]%. | Reviewer Comment [Redacted]: The signed final CD was provided updating the transaction date to [Redacted] Buyer Comment [Redacted]: docs uploaded to [Redacted] |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003303 | 37195887 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003303 | 37195888 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment [Redacted]: Received and associated Final 1003. Exception cleared. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003303 | 37195889 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment [Redacted]: Received and associated Note - Subject Lien. Exception Cleared Buyer Comment [Redacted]: note Reviewer Comment [Redacted]: Received note Subject Lien was not executed. However, an executed Subject Lien is required Exception Remains. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003303 | 37195890 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment [Redacted]: Received Security Instrument - Subject Lien. Exception cleared. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003303 | 37195892 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment [Redacted]: The [Redacted] was received. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The [Redacted] provided is turncated at the bottom unable to see the signature. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003303 | 37195893 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | The final CD is not signed so the 3 day mail rule applies and the transaction date would be [Redacted] | Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: please confirm cleared Reviewer Comment [Redacted]: This can be cured once the new rescission has expired on [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1003303 | 37195894 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The final CD is not signed so the 3 day mail rule applies and the transaction date would be [Redacted] | Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: please confirm cleared Reviewer Comment [Redacted]: This can be cured once the new rescission has expired on [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1003303 | 37195895 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | D | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| GCAT2026CES1003525 | 37195896 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003525 | 37195897 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003525 | 37195898 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003525 | 37195900 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A secondary valuation was not provided. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003272 | 37195901 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003272 | 37195903 | Property | Appraisal Reconciliation | Appraisal Documentation | Appraisal Reconciliation | Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The cleint elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003284 | 37195904 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003284 | 37195905 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003284 | 37195906 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification not provided. | Reviewer Comment [Redacted]: Evidence the property is only vacant land was provided so insurance is not required. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003284 | 37195910 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is HPQM (APOR). | Reviewer Comment [Redacted]: The loan designation was restated as HPQM. Buyer Comment [Redacted]: okay to restate Reviewer Comment [Redacted]: The Loan Designation was sent as Safe Harbor QM but the loan is only passing Higher Priced QM. The Loan Designation needs to be restated to Higher Priced QM. Buyer Comment [Redacted]: per previous attachment, lender is testing as within threshold rather than testing HPML. please clarify what is needed additionally to validate lender's testing. Reviewer Comment [Redacted]: The loan needs to be restated as Higher Priced QM Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003284 | 37195911 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The loan designation was restated as HPQM. | Reviewer Comment [Redacted]: The client accepts as is. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003423 | 37195924 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003423 | 37195925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003423 | 37195926 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. | Reviewer Comment [Redacted]: Considered POCB of Lock Fee of $[Redacted], Asset requirement is met. Exception cleared. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003479 | 37195931 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003479 | 37195932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003479 | 37195933 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] | Reviewer Comment [Redacted]: Received Hazard Insurance Policy Effective Date [Redacted] - [Redacted]. Exception Cleared Buyer Comment [Redacted]: this is a 2nd lien- no escrow- 1st pays out the hazard Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: Wet funding states have to have an effective date at or prior to closing/note date. Exception Remains. Buyer Comment [Redacted]: Rebuttal - The hazard policy was effective before disbursement date. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003399 | 37195935 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003399 | 37195936 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003302 | 37195940 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Buyer Comment [Redacted]: 2nd lien |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003302 | 37195941 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003302 | 37195942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: FEMA is more than 12 months- 2nd lien- please cancel |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003302 | 37195943 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR to provide a copy of the insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Coverage is sufficient. Buyer Comment [Redacted]: Insurance coverage calculator Reviewer Comment [Redacted]: Received the same Hazard Insurance Policy documents that were already present in the file. The current HOI coverage is deficient by $[Redacted]. Please provide either: An updated Hazard Insurance Policy reflecting the required minimum coverage amount, or A copy of the insurer's replacement cost estimate supporting the current coverage amount. Exception remains. Buyer Comment [Redacted]: hazard |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003302 | 37195945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan is failing QM points and fees. | Reviewer Comment [Redacted]: Title fees and credit monitoring fees were updated to be not included in QM testing. Buyer Comment [Redacted]: Loan Designation rebuttal |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003302 | 37195946 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). | Loan is failing QM points and fees. | Reviewer Comment [Redacted]: Title fees and credit monitoring fees were updated to be not included in QM testing. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003247 | 37195947 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003247 | 37195948 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003247 | 37195949 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003401 | 37195954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM | Reviewer Comment [Redacted]: Client restated to HPQM (APOR) Buyer Comment [Redacted]: please restate Reviewer Comment [Redacted]: The loan was submitted as Safe Harbor QM but the loan only passes Higher Priced QM so this needs to be restated as such. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003401 | 37195955 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003401 | 37195956 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003401 | 37195957 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003401 | 37195958 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Missing secondary valuation. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003401 | 37195959 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003401 | 37195960 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. | Reviewer Comment [Redacted]: The client restated the loan designation. Buyer Comment [Redacted]: restate to QM (APOR) |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003254 | 37195962 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003254 | 37195963 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent Free LOE not provided in file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received a rent-free letter that is not signed. Exception Remains. Buyer Comment [Redacted]: LOE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003254 | 37195964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003254 | 37195965 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Final 1003 declaration question states Borrower will occupy the subject property as his primary home. | Reviewer Comment [Redacted]: An updated 1003 was provided. Buyer Comment [Redacted]: Corrected occupancy on the 1003. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1003254 | 37195966 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Secondary valuation required and missing from file | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: CDA |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | Non QM | No | |||||||||||||
| GCAT2026CES1003334 | 37195968 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003334 | 37195969 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003334 | 37195970 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003334 | 37195972 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (Borrower Notice Not Provided) | [Redacted] High-Cost Loan: Notice to Borrower not provided to borrower. | Notice to Borrower not provided to borrower. | Reviewer Comment [Redacted]: [Redacted] High-cost cure documentation received. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003334 | 37195973 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redacted] High-Cost Loan (Counseling Requirement) | [Redacted] High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. | Proof of counseling from HUD-approved nonprofit credit counselor not obtained | Reviewer Comment [Redacted]: [Redacted] High-cost cure documentation received. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The same [Redacted] Report that was in the file was provided. Please see comments in exception ID [Redacted]. Buyer Comment [Redacted]: See Attached all fees passed the compliance test one day prior to closing, |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003334 | 37195974 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redacted] High-Cost Loan (Financed Fees Exceeds Threshold) | [Redacted] High-Cost Loan: Lender financed points and fees in excess of [Redacted]% of the total loan amount. | Lender financed points and fees in excess of [Redacted]% of the total loan amount. | Reviewer Comment [Redacted]: [Redacted] High-cost cure documentation received. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: They're indicating that their APR reduced on a PCCD but its the points and fees that are over the threshold to make it a [Redacted] high cost loan. The fees we are including are the $[Redacted] Application Fee and the $[Redacted] Title Settlement Fee. The variance appears to be in our [Redacted] total loan amount calculation. "Total loan amount" means the principal of the loan minus those points and fees as defined in [Redacted] Admin Code [Redacted] that are included in the principal amount of the loan. Lenders often use only the principal amount of the loan, but do not consider the points and fees that are financed or are "included in the principal amount of the loan" and therefore calculate an incorrect threshold. Given the [Redacted] fees were financed into the loan amount rather than being paid outside closing, they are counted against the principal balance for purposes of calculating the "total loan amount" and the high-cost points and fees threshold. Our calculated TLA is the Original Loan Amount of $[Redacted] minus State High Cost Financed Fees of $[Redacted] for a Total Loan Amount of $[Redacted]. [Redacted]% of the total loan amount allows for total points and fees of $[Redacted]. The [Redacted] report has added a new alert in the [Redacted] high cost section indicating whether the lender marked any fees as financed. For this loan, it shows they did NOT designate any fees as financed and therefore it uses the principal amount of the loan as the total loan amount, which would set a higher threshold of $[Redacted] max fees ($[Redacted]x [Redacted]%). Please note that [Redacted] does have a standard cure provision which allows that within 45 days from consummation provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). The cure for this loan expires on [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003334 | 37195975 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted] Home Ownership Security Act: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] | Reviewer Comment [Redacted]: Cure documentation provided. Reviewer Comment [Redacted]: Cure documentation received. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: They're indicating that their APR reduced on a PCCD but its the points and fees that are over the threshold to make it a [Redacted] high cost loan. The fees we are including are the $[Redacted] Application Fee and the $[Redacted] Title Settlement Fee. The variance appears to be in our [Redacted] total loan amount calculation. "Total loan amount" means the principal of the loan minus those points and fees as defined in [Redacted] Admin Code [Redacted] that are included in the principal amount of the loan. Lenders often use only the principal amount of the loan, but do not consider the points and fees that are financed or are "included in the principal amount of the loan" and therefore calculate an incorrect threshold. Given the [Redacted] fees were financed into the loan amount rather than being paid outside closing, they are counted against the principal balance for purposes of calculating the "total loan amount" and the high-cost points and fees threshold. Our calculated TLA is the Original Loan Amount of $[Redacted] minus State High Cost Financed Fees of $[Redacted] for a Total Loan Amount of $[Redacted]. [Redacted]% of the total loan amount allows for total points and fees of $[Redacted]. The [Redacted] report has added a new alert in the [Redacted] high cost section indicating whether the lender marked any fees as financed. For this loan, it shows they did NOT designate any fees as financed and therefore it uses the principal amount of the loan as the total loan amount, which would set a higher threshold of $[Redacted] max fees ($[Redacted] x [Redacted]%). Please note that [Redacted] does have a standard cure provision which allows that within 45 days from consummation provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). The cure for this loan expires on [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003334 | 37195976 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement of first lien on primary residence. | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003472 | 37195977 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003472 | 37195978 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003472 | 37195980 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Mortgagee clause missing ISAOA | Reviewer Comment [Redacted]: An updated policy was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003527 | 37195983 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003527 | 37195984 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003527 | 37195986 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003527 | 37195987 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003527 | 37195988 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A required secondary valuation was not provided. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003522 | 37195989 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in the file. | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception cleared. Buyer Comment [Redacted]: Hazard insurance policy |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003522 | 37195991 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003522 | 37195992 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003522 | 37195993 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of business for [Redacted] dated within 12o days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Business entity listing. Exception cleared. Buyer Comment [Redacted]: 3rd party verification |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003522 | 37195995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing third party verification of business for [Redacted] dated within 12o days prior to Note date. | Reviewer Comment [Redacted]: 3rd party verification was provided. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003522 | 37195996 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing third party verification of business for [Redacted] dated within 12o days prior to Note date. | Reviewer Comment [Redacted]: Received and associated Business entity listing. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003522 | 37195997 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification of business for [Redacted] dated within 12o days prior to Note date. | Reviewer Comment [Redacted]: Signed and dated tax returns were provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003522 | 37195998 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | The tax returns are not signed and dated by the borrower. | Reviewer Comment [Redacted]: Signed and dated tax returns were provided |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003522 | 37195999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The tax returns are not signed and dated by the borrower. | Reviewer Comment [Redacted]: Signed and dated tax returns were provided Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| GCAT2026CES1003287 | 37196001 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. Reviewer Comment [Redacted]: bf Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003287 | 37196002 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003287 | 37196003 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003287 | 37196004 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003287 | 37196005 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Paystubs provided for [Redacted] are not legible. | Reviewer Comment [Redacted]: Legilable paystubs were provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003287 | 37196006 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one AVM was submitted. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: 2nd AVM |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003456 | 37196007 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003456 | 37196008 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: For Securitization Purposes, a PCI is not an acceptable secondary valuation as no value is given. The CU score provided is [Redacted] which is above the required [Redacted] or less. Another secondary valuation product that provides a value is required to clear this exception. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: For Securitization Purposes, a PCI is not an acceptable secondary valuation as no value is given. The CU score provided is [Redacted] which is above the required [Redacted] or less. Another secondary valuation product that provides a value is required to clear this exception. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003456 | 37196010 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require two valuations and only one appraisal was submitted. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003456 | 37196011 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing lender exception for rural property. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | Yes | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1003402 | 37196014 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003402 | 37196015 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003402 | 37196016 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003402 | 37196017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Note-Senior Lien or mortgage statement document is missing in the file | Reviewer Comment [Redacted]: The mortgage statement for the 1st lien was provided. Buyer Comment [Redacted]: [Redacted] mtg stmt uploaded |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003402 | 37196018 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The primary borrower on Note did not sign a Notice of Right to Cancel. | Reviewer Comment [Redacted]: The [Redacted] signed by primary borrower was provided. Buyer Comment [Redacted]: right to cancel signed by both borrowers |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003402 | 37196019 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 4506-C for [Redacted]. | Reviewer Comment [Redacted]: The missing 4506-Cs were provided. Buyer Comment [Redacted]: 4506C [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003402 | 37196020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing 4506-C for [Redacted]. | Reviewer Comment [Redacted]: The missing 4506-Cs were provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| GCAT2026CES1003402 | 37196021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing 4506-C for [Redacted]. | Reviewer Comment [Redacted]: The missing 4506-Cs were provided. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003431 | 37196023 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003431 | 37196024 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: AVM, cleared Buyer Comment [Redacted]: AVM Reviewer Comment [Redacted]: [Redacted] is a guideline requirement and a PCI is acceptable, so it was cleared. But for securitization pursposes PCI is not an acceptable secondary valuation as no value is given. The CU score provided is [Redacted] which is above the required [Redacted] or less. Another secondary valuation product that provides a value is required to clear this exception. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: For Securitization Purposes, a PCI is not an acceptable secondary valuation as no value is given. The CU score provided is [Redacted] which is above the required [Redacted] or less. Another secondary valuation product that provides a value is required to clear this exception. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003431 | 37196025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Most recent hazard shows RCE amount matching the dwelling coverage, cleared Buyer Comment [Redacted]: Policy shows 100% replacement cost Reviewer Comment [Redacted]: The same RCE is being provided and the reconstruction cost is $[Redacted] but the HOI coverage is only $[Redacted]. This is a shortfall of $[Redacted]. Buyer Comment [Redacted]: RCE Reviewer Comment [Redacted]: The coverage amount is shortfall by $[Redacted] from the RCE. Buyer Comment [Redacted]: RCE |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003431 | 37196026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Combined loan to value discrepancy. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | [Redacted] [Redacted] Aggregator,[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Post close lender exception provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The CLTV is still [Redacted]% which above the max of [Redacted]%. Buyer Comment [Redacted]: DU findings |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1003431 | 37196029 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation, required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided and acceptable per guidelines for secondary valuation. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003244 | 37196031 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003244 | 37196035 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing 24 months rental history for current primary. | Reviewer Comment [Redacted]: Received and associated bank statement and payment history. Exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received the lease agreement and [Redacted] months of rent payment history for the current primary residence; however, [Redacted] months of rental history is required. Exception Remains. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003362 | 37196036 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| GCAT2026CES1003362 | 37196038 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Verification of Mortgage statement to verify PITI for [Redacted] If Taxes and insurance are not escrowed, further documentation will be required to verify these amounts | Reviewer Comment [Redacted]: Received and associated. Lender Correspondence. Exception Cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received Forms 1003 and 1008, which are already in the file. Per the 1003, the total monthly Insurance, Taxes, and Association Dues are $[Redacted], consisting of HOA dues of $[Redacted] and property taxes of $[Redacted]. Per Tax Certificate [Redacted], the annual property tax is $[Redacted], which supports a monthly tax amount of $[Redacted]. However, the 1008, CD, and lender correspondence reflect a monthly tax amount of $[Redacted]. Therefore, a tax certificate supporting the monthly tax amount of $[Redacted] is required. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received corrected 1003 and 1008. Per the 1003, the Monthly Insurance, Taxes, and Association Dues total $[Redacted], Property Taxes of $[Redacted] and HOA of $[Redacted]. However, supporting documentation is still required to verify the remaining payment of $[Redacted]. Exception Remains. Buyer Comment [Redacted]: HOI, 1003 and 1008 attached Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received the CD for #[Redacted] [Redacted]. The expenses do not match the final 1003. Please provide the updated 1003 and 1008, along with the hazard insurance policy to verify the $[Redacted] non-escrow amount. Exception remains. Buyer Comment [Redacted]: CD for REO Reviewer Comment [Redacted]: Mortgage statement or Closing Disclosure is required to verify PITI for the property at [Redacted]. Exception Remains. Buyer Comment [Redacted]: transaction documents uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003362 | 37196039 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment [Redacted]: Received and associated Paystub is with in [Redacted] Business days of the note date and as per AUS paystub is acceptable in lieu of Verification of employment. Exception Cleared. Buyer Comment [Redacted]: paystub from [Redacted]-[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003285 | 37196048 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003285 | 37196049 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] property valuations |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003285 | 37196050 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Mising Pension Statement from [Redacted]. | Reviewer Comment [Redacted]: A Pension Statement from [Redacted] was received. Buyer Comment [Redacted]: Please review docs for condition [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003285 | 37196051 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Pension document [Redacted] institute of Technology is missing in file. | Reviewer Comment [Redacted]: Received and associated Award Letter. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003285 | 37196053 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: A Pension Statement from [Redacted] was received. Buyer Comment [Redacted]: Please review docs for condition [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003285 | 37196054 | Compliance | Compliance | State Compliance | Compliance | [Redacted] Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement | [Redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest Safe Harbor for anti-flipping provisions. | Reviewer Comment [Redacted]: All income documents have been received. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003285 | 37196055 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Reviewer Comment [Redacted]: All income documents have been received. Buyer Comment [Redacted]: Please review docs for condition [Redacted] Reviewer Comment [Redacted]: The reason for this exception is missing income docs. Missing Pension Statement from [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003510 | 37196061 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003510 | 37196062 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003354 | 37196063 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | A | A | A | A | D | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003354 | 37196064 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: [Redacted] | The File was Missing the Secondary Valuation with a value within 10% of the appraised value, required for Securitization purposes | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Received property inspection report however, exception is for a secondary value to support the 1004 value. The AVM value in the original file is outside of [Redacted]% tolerance. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | C | A | A | A | C | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | A | A | A | A | D | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003354 | 37196067 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value. One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client accepts as is. |
[Redacted] | No | 2 | A | A | A | N/A | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | A | A | A | A | D | B | Non QM | Non QM | No | ||||||||||||||||
| GCAT2026CES1003391 | 37196068 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | The credit account statement or credit supplement for account[Redacted] services is missing | Reviewer Comment [Redacted]: Received and associated Credit Card Statement. Exception cleared. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003391 | 37196069 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003391 | 37196070 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003391 | 37196071 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003391 | 37196073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Reviewer Comment [Redacted]: Evidence a car payment was paid in full prior to closing was provided. The DTI is now [Redacted]%. The loan is now SHQM Buyer Comment [Redacted]: See Loan Exception ID [Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003391 | 37196074 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The liability exclusion document for [Redacted] #[Redacted]account not available. | Reviewer Comment [Redacted]: Evidence a car payment was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: The attached document image is unclear, and the text is not legible enough for review. Could you please resend a clear, high-resolution copy of the same document. Exception Remains. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: File is still missing Liability exclusion document for the [Redacted] #[Redacted] account, hence DTI still exceeding the limit, Exception remains. Buyer Comment [Redacted]: See docs provided |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003391 | 37196075 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment [Redacted]: Evidence a car payment was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: See Loan Exception ID [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003391 | 37196076 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | Reviewer Comment [Redacted]: Evidence a car payment was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: See Loan Exception ID [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003295 | 37196078 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003295 | 37196079 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003319 | 37196080 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003319 | 37196081 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003319 | 37196082 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003319 | 37196083 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003319 | 37196085 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | [Redacted] will not lend to any applicant who has been identified and verified to be listed on any government agency watch list. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: cleared DV report attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003319 | 37196086 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Number of units discrepancy. | Appraisal number of units of ___ does not match Guideline number of units of ___. | Rental income is being used for the subject property to qualify and it is a primary residence. The approval reflects [Redacted] units and there is a 1-4 Family Rider attached to the mortgage. However, the AVM and Title Search reflect the property is a single family unit. Please provide clarification of rental income being used on single family primary residence or verification that the property is a [Redacted] unit. | Reviewer Comment [Redacted]: The title was updated to reflect Multi Family. Buyer Comment [Redacted]: updated title to multi family home Reviewer Comment [Redacted]: Please advise if the client is accepting the rent schedule as evidence this is a [Redacted] unit property even though the title reflects SFR. Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Appraisal number of units of [Redacted] does not match Guideline number of units of [Redacted]. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Appraisal number of units of [Redacted] does not match Guideline number of units of [Redacted]. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003319 | 37196087 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Number of units discrepancy. | Appraisal number of units of ___ does not match Guideline number of units of ___. | Reviewer Comment [Redacted]: Updated documents were provided reflecting the property is a multi family. Buyer Comment [Redacted]: [Redacted] Reviewer Comment [Redacted]: Please advise if the client is accepting the rent schedule as evidence this is a [Redacted] unit property even though the title reflects SFR. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003489 | 37196089 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003489 | 37196090 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003489 | 37196091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003489 | 37196094 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted] ). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Per compliance report, the tax cert fee was not include in finance charge calculation. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received Copy of cure refund for $[Redacted] for the total underdisclosure amount. Did not receive proof of mailing and proof of reopening rescission to all consumers as this is a material disclosure violation on a rescindable transaction to finalize cure. Buyer Comment [Redacted]: Copy of reimbursement check to borrower Reviewer Comment [Redacted]: [Redacted] received Corrected CD and LOE to borrower. Missing the following items to finalize cure: Copy of cure refund for $[Redacted] for the total underdisclosure amount, proof of mailing and proof of reopening rescission to all consumers as this is a material disclosure violation on a rescindable transaction. Buyer Comment [Redacted]: CD and correction letter uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003420 | 37196096 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003420 | 37196097 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003420 | 37196098 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003420 | 37196101 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three [Redacted] business days from transaction date of [Redacted] . | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: rescission expired. Reviewer Comment [Redacted]: Nothing provided addresses the disbursement date. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: The final CD was signed by the borrower on [Redacted]. The loan should not have disbursed prior to [Redacted]. Buyer Comment [Redacted]: see attached lender rebuttal |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003420 | 37196102 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel is on Form H-9 however, the Title Search verifies the first lien mortgage is in the name of a different lender. Right to Cancel should be on Form H-8. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: rescission expired. Reviewer Comment [Redacted]: The exception can be cured after the new rescission has expired. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: An udated [Redacted] H-8 form and LOE with proof of delivery was not found. Buyer Comment [Redacted]: See attached Reviewer Comment [Redacted]: This loan is a 2nd lien loan, and is not paying off another lien. It does not matter if the lender on the 1st lien is the same as new lender for 2nd lien, it is not considered a lender to lender refinance and the H-8 form is required. Buyer Comment [Redacted]: see attached lender rebuttal - H9 used original lender is same lender - indicated on title report recording records |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003420 | 37196103 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date on Notice of Right to Cancel occurs prior to expected date. Stated Disbursement date was [Redacted]. Eligible Disbursement date was [Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: rescission expired. Reviewer Comment [Redacted]: The final CD was signed by the borrower on [Redacted]. The loan should not have disbursed prior to [Redacted]. Buyer Comment [Redacted]: see [Redacted] |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003491 | 37196104 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: CDA, cleared Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: For Securitization Purposes, a PCI is not an acceptable secondary valuation as no value is given. The CU score provided is [Redacted] which is above the required [Redacted] or less. Another secondary valuation product that provides a value is required to clear this exception. Buyer Comment [Redacted]: [Redacted] accepts PCI as the secondary valuation. Please review guides. Thanks Reviewer Comment [Redacted]: PCI is not an acceptable secondary valuation for securitization as no value is given. Buyer Comment [Redacted]: second value Reviewer Comment [Redacted]: The FNMA UCDP does not have a passing CU score. Buyer Comment [Redacted]: FNMA Property Report |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003491 | 37196105 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003320 | 37196108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] ). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. (Final/[Redacted]) | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received copy of $[Redacted] cure refund. Missing proof of reopening of rescission to all consumers on this material disclosure violation of a rescindable transaction. As previously stated, "The appraisal fee was removed from the [Redacted] PCCD, if lender is stating that borrower was never charged and in order to determine if this was a TOP violation or correction to actual fees charged for the determination of reopening of rescission, a copy of the Borrower's Final Settlement statement is required to confirm the appraisal fee was not charged at closing and not listed on the Final Settlement Statement. IF, the fee shows charged to borrower and lender is refunding to cure, then lender must also provide proof of reopening of rescission to all consumers to cure a TOP violation. [Redacted] calculations reflect that appraisal fee was added on PCCD which caused underdisclosure of the final CD. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received LE's, CD, new Corrected CD issued [Redacted], LOE's, changed circumstances, tracking information,, compliance report, appraisal order. The [Redacted] LOE states that borrower is being refunded for $[Redacted] for appraisal fee incorrectly charged. Missing copy of the cure refund of at least $[Redacted] for the TOP underdisclosure and proof of reopening of rescission to all consumers. Tracking must be in line with the cure refund check issue date. The appraisal fee was removed from the [Redacted] PCCD, if lender is stating that borrower was never charged and in order to determine if this was a TOP violation or correction to actual fees charged for the determination of reopening of rescission, a copy of the Borrower's Final Settlement statement is required to confirm the appraisal fee was not charged at closing and not listed on the Final Settlement Statement. IF, the fee shows charged to borrower and lender is refunding to cure, then lender must also provide proof of reopening of rescission to all consumers to cure a TOP violation. [Redacted] calculations reflect that appraisal fee was added on PCCD which caused underdisclosure of the final CD. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received changed circumstance for [Redacted] post close CD. A post close changed circumstance is not valid to address. Total of Payments calculation on Final CD of $[Redacted] was underdisclosed by $[Redacted] which exceeded threshold. Fee increased post close and a changed circumstance is invalid. Cure is due to borrower. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted], proof of mailing and proof of reopening of rescission to all consumers to cure. Buyer Comment [Redacted]: lender rebuttal, COCs attached Reviewer Comment [Redacted]: The Post Close CD issued [Redacted] had increasing costs in Section D total ($[Redacted] appraisal fee was added) from the Final CD. The TOP calculation was underdisclosed on the Final Cd by $[Redacted]. Cure is due borrower for underdisclosing the final CD. Corrected CD, LOE to borrower, copy of cure refund of $[Redacted], proof of mailing and proof of reopening rescission to all consumers to cure. Buyer Comment [Redacted]: see attached lender rebuttal and compliance testing reflecting lender calculations. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003320 | 37196110 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003320 | 37196111 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003320 | 37196112 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. | [Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003314 | 37196117 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003314 | 37196118 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this Loan. | Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003314 | 37196119 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | AVM provided. No secondary valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003314 | 37196120 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Waived with compensating factors. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003471 | 37196121 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003471 | 37196122 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003471 | 37196123 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196124 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: 53 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196125 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing copy of Third party verification. | Reviewer Comment [Redacted]: Received and associated Third Party Verification. Exception cleared. Buyer Comment [Redacted]: Third Party Verification of Business |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment [Redacted]: Loan is Non-QM. Reviewer Comment [Redacted]: This is being reviewed. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Received and associated Third Party Verification. Missing Audited/Third Party P&L for [Redacted]. Reviewer Comment [Redacted]: Loan is failing QM due to missing income documentation, provide missing documentation and compliance will be retested. Buyer Comment [Redacted]: loan is HPML- QM- see attached compliance testing Buyer Comment [Redacted]: Loan is QM- HPML |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003471 | 37196131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Verification of existence of business within 60 calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance not found in the file. | Reviewer Comment [Redacted]: 3rd Party verification provided. Buyer Comment [Redacted]: see attached. including registered name with state in [Redacted]. Reviewer Comment [Redacted]: Received and associated Third Party Verification. Missing Audited/Third Party P&L for [Redacted]. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | Verification of existence of business within 60 calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance not found in the file. | Reviewer Comment [Redacted]: Received and associated Third Party Verification. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Received and associated Third Party Verification. Buyer Comment [Redacted]: Please also see condition ending in [Redacted] Buyer Comment [Redacted]: Third Party Verification of Business |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Verification of existence of business within 60 calendar days of close by third party CPA, regulatory agency, applicable licensing bureau, or verifying phone listing and address for borrower's business using telephone book, internet, or directory assistance not found in the file. | Reviewer Comment [Redacted]: Received and associated Third Party Verification. Exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196135 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment [Redacted]: The disclosure with proof of tracking was provided. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: Disclosure not provided. Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196136 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] % + [Redacted] %, or [Redacted] %. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment [Redacted]: An HPML Attestation was provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. Reviewer Comment [Redacted]: The compliance reports reflect fail for HPML. Buyer Comment [Redacted]: waterfall Reviewer Comment [Redacted]: Loan is failing QM due to missing income documentation, provide missing documentation and compliance will be retested. Buyer Comment [Redacted]: loan is HPML- QM- see attached compliance testing |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003471 | 37196138 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Reviewer Comment [Redacted]: The guidelines have been met. |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003283 | 37230528 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003249 | 37230531 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003249 | 37230532 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003249 | 37230533 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003249 | 37230534 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003249 | 37230535 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file is missing a copy of Hazard Insurance Policy. | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception clear. Buyer Comment [Redacted]: hazard Reviewer Comment [Redacted]: Received the Hazard Insurance Policy with an effective date after closing. Exception Remain. Buyer Comment [Redacted]: waterfall- haz docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003249 | 37230537 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. | Hazard Insurance Premium (annual) is blank. File is missing the hazard policy | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception clear. Buyer Comment [Redacted]: hazard Reviewer Comment [Redacted]: Received the Hazard Insurance Policy with an effective date after closing. Exception Remain. Buyer Comment [Redacted]: waterfall- docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003249 | 37230539 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation required per guidelines. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: waterfall- docs uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003249 | 37230540 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Received the Hazard Insurance Policy with an effective date after closing. Exception Remain. | Reviewer Comment [Redacted]: Received and associated Hazard Insurance Policy. Exception clear. Buyer Comment [Redacted]: hazard |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003518 | 37230596 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003518 | 37230597 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Reviewer Comment [Redacted]: CDA, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003441 | 37230599 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Reviewer Comment [Redacted]: H-8 RTC forms are not signed Buyer Comment [Redacted]: doc uploaded Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003441 | 37230601 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003441 | 37230602 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003441 | 37230603 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003530 | 37230605 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003530 | 37230606 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003530 | 37230609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] , Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted] . | Reviewer Comment [Redacted]: The client accepts as is. Buyer Comment [Redacted]: accept as is. Tax returns in file for [Redacted] . Tax extension was filed timely for [Redacted] and prior to closing. Reviewer Comment [Redacted]: Please accept as is. The current tax returns were not used to qualify the income. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003530 | 37230610 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing business tax return extension for [Redacted]. | Reviewer Comment [Redacted]: [Redacted]business tax return extension was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003460 | 37230612 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Not required for FEMA Disasters occurring within the 12 months prior to origination. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. Buyer Comment [Redacted]: HOI docs Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003460 | 37230613 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003460 | 37230614 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003460 | 37230615 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003460 | 37230616 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: The client agrees that what was provided is adequate coverage. Buyer Comment [Redacted]: Yes, agent states coverage is cost new and is more than both loan balances. We have adequate coverage at [Redacted] Reviewer Comment [Redacted]: Client needs to let us know what was provided is acceptable for adequate coverage. Buyer Comment [Redacted]: note from lender Reviewer Comment [Redacted]: Received HOI calculator. Please provide the updated HOI policy or HOI with the guaranteed replacement policy/RCE. Exception remains. Buyer Comment [Redacted]: HOI docs |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003460 | 37230617 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: Documentation provided; exception cleared. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003460 | 37230618 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing housing history for 1st lien. | Reviewer Comment [Redacted]: Payment history was provided. Buyer Comment [Redacted]: mtg payment history |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003239 | 37230619 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003239 | 37230621 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003239 | 37230622 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property was not found in the loan file. | Reviewer Comment [Redacted]: A PDI was provided with no visible damage. Buyer Comment [Redacted]: doc |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003306 | 37230625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | ||||||||||||||
| GCAT2026CES1003306 | 37230626 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1003306 | 37230627 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | Non QM | No | ||||||||||||
| GCAT2026CES1003506 | 37230648 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003506 | 37230650 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form was provided. Buyer Comment [Redacted]: see attached document sent audit log reflecting docs sent to borrower [Redacted]. due to evidence of documentation sent, borrower signature should be waived from required. thank you Reviewer Comment [Redacted]: The RTC forms were updated but they need to be signed and dated Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003262 | 37230652 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003262 | 37230653 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003262 | 37230654 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003262 | 37230656 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: PCI |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003488 | 37230659 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003488 | 37230660 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003488 | 37230661 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: Waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003488 | 37230663 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003360 | 37230665 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003360 | 37230666 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003360 | 37230667 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003360 | 37230670 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing secondary valuation. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003246 | 37230672 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment [Redacted]: Title commitment at $[Redacted], cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003246 | 37230673 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003246 | 37230674 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003246 | 37230675 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003246 | 37230678 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment [Redacted]: Evidence the car loan was paid in full prior to closing was provided. The DTI is now [Redacted]%. The loan is now SHQM. Buyer Comment [Redacted]: please clear water fall see *[Redacted] |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026CES1003246 | 37230679 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Provide documentation the installment loan with [Redacted] was paid off. Letter of explanation in file states auto loan was paid off when the vehicle was traded in through [Redacted]. Review is including the monthly installment debt of $[Redacted] per month in DTI calculation. | Reviewer Comment [Redacted]: Evidence the car loan was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: please clear water fall see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003246 | 37230680 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Provide documentation the installment loan with [Redacted] was paid off. Letter of explanation in file states auto loan was paid off when the vehicle was traded in through [Redacted]. Review is including the monthly installment debt of $[Redacted] per month in DTI calculation. | Reviewer Comment [Redacted]: Evidence the car loan was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003246 | 37230681 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Provide documentation the installment loan with [Redacted] was paid off. Letter of explanation in file states auto loan was paid off when the vehicle was traded in through [Redacted]. Review is including the monthly installment debt of $[Redacted] per month in DTI calculation. | Reviewer Comment [Redacted]: Evidence the car loan was paid in full prior to closing was provided. The DTI is now [Redacted]%. Buyer Comment [Redacted]: please clear water fall see *[Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003332 | 37230683 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003332 | 37230684 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003332 | 37230685 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Lender requested exception for DTI greater than [Redacted]%. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1003332 | 37230686 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Lender requested exception for DTI greater than [Redacted]%. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
[Redacted] [Redacted] Aggregator,[Redacted] [Redacted] [Redacted] Aggregator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| GCAT2026CES1003332 | 37230687 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted] ). | Disclosed Finance charge of $[Redacted]. Calculated Finance charge of $[Redacted]. Variance of -$[Redacted]. Variance due to Interest rate collection and calculation method disclosed on the note. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a one time fee, please provide an executed lender attestation confirming not life of loan fee but a one time upfront at closing fee for determination. It should be noted that even if lender attests and confirms this fee was not a life of loan service, the finance charge was underdisclosed by $[Redacted] and the $[Redacted] fee would still have the finance charge underdisclosed by $[Redacted] which would need cured as this is a rescindable transaction and would exceed the $[Redacted] testing threshold. Cure of this material disclosure violation on a rescindable transaction will require a Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and proof of reopening of rescission to all consumers. Compliance report reviewed reflects a different and greater finance charge amount than what was disclosed on the final CD, as an FYI. Buyer Comment [Redacted]: Why are you deeming the tax cert fee as an APR fee? Can you provide for the compliance citations/chart whatever that show tax cert is an apr fee please and thank you. |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003520 | 37230689 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003520 | 37230690 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003520 | 37230691 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003520 | 37230692 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003520 | 37230693 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A second appraisal report is required. | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026CES1003478 | 37230696 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003478 | 37230697 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003478 | 37230698 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003478 | 37230699 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A secondary valuation is required and not found in the file | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003397 | 37230703 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003397 | 37230704 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003286 | 37230705 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003286 | 37230706 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003286 | 37230707 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elected to waive/regrade. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003370 | 37230709 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: A PCI was provided with no potential risks noted. |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003370 | 37230710 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003370 | 37230711 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003370 | 37230712 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: [Redacted] |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003370 | 37230713 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A secondary valuation is required and not found in the file | Reviewer Comment [Redacted]: A PCI was provided. Buyer Comment [Redacted]: PCI on page [Redacted] |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003459 | 37230715 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003459 | 37230716 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003492 | 37230719 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003492 | 37230720 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003492 | 37230721 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment [Redacted]: Policy contains replacement cost endorsement Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003492 | 37230723 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Reviewer Comment [Redacted]: Mortgage statement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003533 | 37230725 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003533 | 37230726 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003533 | 37230727 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003519 | 37230728 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003519 | 37230729 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003519 | 37230730 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003267 | 37230733 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003267 | 37230734 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003452 | 37230737 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Not required for FEMA Disasters occurring within the 12 months prior to origination. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003452 | 37230738 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003452 | 37230739 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003243 | 37230742 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003243 | 37230743 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003243 | 37230744 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003259 | 37230745 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003259 | 37230746 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003512 | 37230750 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003512 | 37230751 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003279 | 37230752 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003279 | 37230753 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003483 | 37230757 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003483 | 37230758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003483 | 37230759 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003440 | 37230763 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003440 | 37230764 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003440 | 37230765 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003440 | 37230766 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support is not provided. | Reviewer Comment [Redacted]: Received and associated Child Support. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003425 | 37230769 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003425 | 37230771 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | AVM is provided. Second lien. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003318 | 37230778 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003318 | 37230779 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003318 | 37230780 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003418 | 37230783 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Reviewer Comment [Redacted]: Received and associated Child Support and Divorce Decree. Exception Cleared. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003418 | 37230784 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003418 | 37230785 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003418 | 37230786 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003412 | 37230789 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003412 | 37230790 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003412 | 37230791 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003234 | 37230792 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003234 | 37230793 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003234 | 37230794 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003301 | 37230797 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003301 | 37230798 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003301 | 37230799 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003347 | 37230803 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment [Redacted]: Hazard Insurance shows 100% replacement cost, cleared Buyer Comment [Redacted]: hoi |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003347 | 37230804 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003347 | 37230805 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted]. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003347 | 37230806 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026CES1003327 | 37230807 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003327 | 37230808 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Borrower has owned the subject property for at least [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. Buyer Comment [Redacted]: see attached AVM provided |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003442 | 37230810 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003442 | 37230811 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003253 | 37230814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003253 | 37230815 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003253 | 37230819 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment [Redacted]: The client restated as HPQM. Buyer Comment [Redacted]: restate designation Buyer Comment [Redacted]: See Attached Reviewer Comment [Redacted]: The loan designation must be restated as Higher Priced QM it was submitted as Safe Harbor QM and it does not pass this. Buyer Comment [Redacted]: see attached Buyer Comment [Redacted]: ATR has been confirmed please waive or specify why this condition remains |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003253 | 37230820 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The client restated as HPQM. | Reviewer Comment [Redacted]: The client restated as HPQM. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003233 | 37230821 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003233 | 37230822 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003233 | 37230823 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003342 | 37230826 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003342 | 37230827 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003468 | 37230830 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003468 | 37230831 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003468 | 37230832 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003468 | 37230833 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Please provide RCE. | Reviewer Comment [Redacted]: The client accepts the coverage as full replacement cost. Buyer Comment [Redacted]: policy covers 100% of 1st and 2nd lien, also states replacement cost Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003467 | 37230837 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003467 | 37230838 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003359 | 37230841 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003359 | 37230842 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003361 | 37230844 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003278 | 37230848 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003278 | 37230849 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003278 | 37230851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing income documentation. | Reviewer Comment [Redacted]: Received third party verification of business |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003278 | 37230852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third-party verification dated within 60 days of note date not found in the file. | Reviewer Comment [Redacted]: Received third party verification of business |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003278 | 37230853 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third-party verification not found in the file. Guides required verification of existence of business within 60 calendar days of closing by third-party CPA, regulatory agency, licensing bureau, or verifying phone listing and address using phone book, internet, or directory assistance. | Reviewer Comment [Redacted]: Received third party verification of business Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003278 | 37230854 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation. | Reviewer Comment [Redacted]: Received third party verification of business |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003514 | 37230857 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003514 | 37230859 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003514 | 37230861 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026CES1003436 | 37230865 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003436 | 37230866 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Appraisal Report is not provided in the file | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003531 | 37230868 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | His profile contains a reduced scope for subordinate liens. The rating agencies must specifically approve the client for this reduced scope. Please consult UWQ/Lead/CSM for further instruction. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003531 | 37230869 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003531 | 37230870 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003373 | 37230874 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003373 | 37230875 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003373 | 37230878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment [Redacted]: The client restated the loan designation to HPQM. Buyer Comment [Redacted]: Please restate and accept as is. |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003373 | 37230879 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The client restated the loan designation to HPQM. | Reviewer Comment [Redacted]: The client restated the loan designation to HPQM. |
[Redacted] | No | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| GCAT2026CES1003270 | 37230882 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | [Redacted] | Reviewer Comment [Redacted]: E-Sign Consent Agreement, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003270 | 37230884 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003270 | 37230885 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003270 | 37230886 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003228 | 37230888 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title document was missing. | Reviewer Comment [Redacted]: The TPOL was provided. |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003228 | 37230889 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | A limited compliance review scope was performed on this loan. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003228 | 37230890 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment [Redacted]: The TPOL was provided. Buyer Comment [Redacted]: See attached |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003408 | 37230891 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003408 | 37230892 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003422 | 37230894 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003422 | 37230895 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003422 | 37230896 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003237 | 37230899 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003237 | 37230900 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003257 | 37230902 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003257 | 37230903 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003257 | 37230904 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003429 | 37230906 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003429 | 37230907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003429 | 37230908 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003282 | 37230910 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003282 | 37230911 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003356 | 37230915 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003356 | 37230917 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003315 | 37230920 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003315 | 37230922 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026CES1003288 | 37230923 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003288 | 37230924 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003288 | 37230925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003400 | 37230928 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003400 | 37230929 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026CES1003390 | 37230931 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003390 | 37230932 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003365 | 37230935 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted], the declared end date. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003365 | 37230936 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003365 | 37230937 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003316 | 37230939 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted], declared end date. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003316 | 37230940 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003316 | 37230941 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003358 | 37230954 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003358 | 37230955 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003358 | 37230956 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003225 | 37230958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003225 | 37230959 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003225 | 37230960 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||||
| GCAT2026CES1003409 | 37230962 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003409 | 37230963 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003409 | 37230964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003443 | 37230967 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003443 | 37230968 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003443 | 37230969 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003501 | 37230970 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003501 | 37230971 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003501 | 37230972 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003330 | 37230974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003330 | 37230975 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003330 | 37230977 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment [Redacted]: A clear fraud report was provided. Buyer Comment [Redacted]: Buy to guide. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003326 | 37230981 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003378 | 37230982 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003523 | 37230984 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003523 | 37230985 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003523 | 37230986 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: [Redacted] | Reviewer Comment [Redacted]: A BPO was provided. Buyer Comment [Redacted]: AVM Buyer Comment [Redacted]: FNMA SSR [Redacted] |
[Redacted] | No | 1 | D | A | A | A | D | A | N/A | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003523 | 37230988 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfalling due to DTI and minimum loan amount | Reviewer Comment [Redacted]: The DTI was waived by the investor and the loan is now SHQM |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003523 | 37230989 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lender's Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003523 | 37230990 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: please clear all water fall for dti & loan amount exceptions |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026CES1003523 | 37230991 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive Buyer Comment [Redacted]: see exception |
[Redacted] | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003523 | 37230992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfalling due to DTI and minimum loan amount | Reviewer Comment [Redacted]: The DTI was waived by investor. |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | B | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003311 | 37230993 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003311 | 37230994 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003515 | 37230996 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003393 | 37230999 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003393 | 37231000 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003432 | 37231001 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003432 | 37231002 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003366 | 37231006 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003366 | 37231007 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003458 | 37231015 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003458 | 37231016 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has owned the subject property for at least [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003385 | 37231019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003385 | 37231020 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | ||||||||||||||
| GCAT2026CES1003385 | 37231021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Non QM | Non QM | No | |||||||||||
| GCAT2026CES1003524 | 37231022 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003524 | 37231023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003524 | 37231024 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003364 | 37231026 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003364 | 37231027 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003300 | 37231029 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003300 | 37231030 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003300 | 37231031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003387 | 37231033 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003387 | 37231034 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003387 | 37231035 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003509 | 37231037 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003480 | 37231040 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003480 | 37231041 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Property inspection provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| GCAT2026CES1003480 | 37231042 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026CES1003374 | 37231047 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Commitment or Preliminary title policy amount is blank. A Final policy was not provided. | Reviewer Comment [Redacted]: Title supplemental report with sufficient coverage, cleared Buyer Comment [Redacted]: docs uploaded |
[Redacted] | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003374 | 37231048 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment [Redacted]: VOE, cleared Buyer Comment [Redacted]: doc uploaded |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003374 | 37231050 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003421 | 37231117 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003289 | 37247625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: The client elects to waive |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003289 | 37247627 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three (3) business days from transaction date of [Redacted] . | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: delivery Reviewer Comment [Redacted]: The LOE was provided need evidence of delivery. Buyer Comment [Redacted]: LOE Reviewer Comment [Redacted]: An LOE to the borrower with proof of delivery is also required. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003289 | 37247628 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date on Notice of Right to Cancel occurs prior to expected date. Disclosed disbursement date was [Redacted]. Right to Cancel Eligible disbursement date is [Redacted]. | Reviewer Comment [Redacted]: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Reviewer Comment [Redacted]: The LOE was provided need evidence of delivery. Buyer Comment [Redacted]: see attached Reviewer Comment [Redacted]: An LOE to the borrower with proof of delivery is also required. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003260 | 37247630 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003260 | 37247631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003260 | 37247632 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003260 | 37247634 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] , prior to three (3) business days from transaction date of [Redacted] . | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: An LOE to the borrower with proof of delivery is also a requirement. Buyer Comment [Redacted]: doc uploaded Reviewer Comment [Redacted]: Disbursement date of [Redacted] is not at least 3 business days after the transaction date of [Redacted]. Buyer Comment [Redacted]: see attached |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003260 | 37247635 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date(s) | Reviewer Comment [Redacted]: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. Buyer Comment [Redacted]: docs uploaded Reviewer Comment [Redacted]: An LOE to the borrower with proof of delivery is also a requirement. Buyer Comment [Redacted]: waterfall |
[Redacted] | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003398 | 37247637 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003415 | 37247640 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003415 | 37247641 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: This exception is for informational purposes only and the client accepts. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003250 | 37247645 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003250 | 37247646 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The File was Missing the Secondary Valuation required for Securitization purposes | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003294 | 37247647 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment [Redacted]: Credit Report - cleared Buyer Comment [Redacted]: Credit Report |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003294 | 37247648 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment [Redacted]: Flood Certificate, cleared Buyer Comment [Redacted]: Flood Certificate |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003294 | 37247649 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | Missing Note or Mortgage statement of first lien in subject property. | Reviewer Comment [Redacted]: Mortgage statement - cleared Buyer Comment [Redacted]: Mortgage statement |
[Redacted] | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003294 | 37247650 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment [Redacted]: PDI, cleared Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026CES1003294 | 37247652 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003294 | 37247653 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003294 | 37247654 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] |
Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026CES1003294 | 37247656 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report not provided. | Reviewer Comment [Redacted]: Credit report, cleared Buyer Comment [Redacted]: Credit report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003294 | 37247657 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Credit report not provided. | Reviewer Comment [Redacted]: Credit report, cleared Buyer Comment [Redacted]: Credit report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003294 | 37247658 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Credit report not provided. | Reviewer Comment [Redacted]: Credit report, cleared |
[Redacted] | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026CES1003294 | 37247659 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing credit report for each borrower. | Reviewer Comment [Redacted]: Credit report, cleared Buyer Comment [Redacted]: Credit report |
[Redacted] | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| GCAT2026CES1003294 | 37247660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Credit report, cleared Buyer Comment [Redacted]: Credit report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003294 | 37247661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Reviewer Comment [Redacted]: Credit report, cleared Buyer Comment [Redacted]: Credit report |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003367 | 37247663 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | [Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026CES1003367 | 37247664 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] | Reviewer Comment [Redacted]: Received previous policy beginning [Redacted] to [Redacted] Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] Buyer Comment [Redacted]: see attached |
[Redacted] | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026CES1003395 | 37247666 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | Yes | 2 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||
| GCAT2026CES1003395 | 37247668 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| GCAT2026CES1003395 | 37247669 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment [Redacted]: Client elects to waive. |
[Redacted] | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No |